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Guangfa True Credit Card

Guangfa True Credit Card

Xiaobian reviews

Self-selected merchants triple bonus points
  • Self-selected merchant triple pointsSelf-selected merchant triple points
  • Purchase 5% discount on Mango ProductsPurchase 5% discount on Mango Products
  • Dangdang online purchase book minus 200 yuan minus 20 yuanDangdang online purchase book minus 200 yuan minus 20 yuan
apply immediately

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Guangfa True Credit Card
  1. Puka
  2. UnionPay
    MasterCard
  3. RMB
    USD
  4. annual fee:90 yuan
    Annual fee for transaction
Guangfa True Credit Card
  1. Gold card
  2. UnionPay
  3. RMB
  4. annual fee:85 yuan
    Annual fee for transaction
Guangfa True Credit Card
  1. Gold card
  2. UnionPay
    MasterCard
  3. RMB
    USD
  4. annual fee:260 yuan
    Annual fee for transaction
Guangfa True Credit Card
  1. Puka
  2. UnionPay
  3. RMB
  4. annual fee:45 yuan
    Annual fee for transaction
All cards in the same series

Annual fee policy: No annual fee for the first year, credit card spending is free of annual fees for 6 times

Integral rules: RMB 1=1 points, HK$1=1 points, USD 1=6 points

Validity of points: Starting from the day of card issuance, the points will be valid for two years each year, and the gold card will be credited with 30% off the next card.

Cash out: The maximum cash withdrawal rate is 50%, the current handling fee is 2.5% of the cash withdrawal amount, and the lowest domestic fee is 10 yuan.

The minimum repayment ratio: 10%

Interest-free period: The shortest 20 days, the longest 50 days

SMS notification: Guangdong Development Bank credit card 300 yuan or more transactions SMS notifications free

Lost card guarantee: Guangdong Development Bank credit card can enjoy 48-hour loss before the loss of card protection services

Application conditions: 18 years old - 65 years old, with stable work and fixed income

Application materials: Applicant's identity card or military officer's card, passport copy plus any one of the following materials: 1, the most recent three consecutive payroll or payroll passbook; 2, 3 months or more of the deposit certificate; 3, account book; 4, real estate license 5, motor vehicle driving permit

Special privileges

Card privilege

  • Self-selected merchant triple pointsSelf-selected merchant triple points

    Department stores, catering, travel, entertainment, etc. The new customer can fill in the table three times the level of credit merchant type, existing card customers log on Internet banking registration. The upper limit: 200,000 points/month/card.

  • Purchase 5% discount on Mango ProductsPurchase 5% discount on Mango Products

    Excluding air tickets, purchases of travel products will be eligible for 5% of mango points and 15 yuan for caps.
    Time: May 10, 2016 - December 31, 2016

  • Dangdang online purchase book minus 200 yuan minus 20 yuanDangdang online purchase book minus 200 yuan minus 20 yuan

    Get the Dangdang Book Coupon at Guangfa Card WeChat Public, and reduce the purchase price of the book by 150 Yuan by 20 Yuan. It is limited to one person per month.

Related costs

Cash out: The maximum cash withdrawal rate is 50%, the current handling fee is 2.5% of the cash withdrawal amount, and the lowest domestic fee is 10 yuan.

Repayments: The minimum repayment amount is 10% of the monthly bill, 0.05% of the daily rate

Liquidated damages: Repayments below the minimum repayment amount shall be subject to a penalty of 5% and a minimum charge of 20 yuan.

Over-limit fee: Exceeding 5% of the credit limit, minimum charge of $10 or US$1 or HK$10

Overpayment fee: The amount of money deposited exceeds the amount owed, and 0.5% is charged upon withdrawal.

Loss report fee: RMB/Dual Currency Card RMB35; USD Currency USD6; HKD Card HKD40

Renewal fee: Magnetic stripe card: 15 yuan, IC card: 20 yuan

Instalment rate:
  • Phase 36 issues12 issues18th issue24th issue
  • --4.2%8.4%12.96%17.28%
Card Friends Reviews
  • 64948
  • The best advantage of issuing a credit card is that when you take money from him and you don't get credit, it feels great. As usual, when we go to apply for a small loan, as long as it is linked to a bank, it will be credited. This refers to the fact that you took 50,000 from the bank, all of which indicated that you owe so much money. However, GF’s financial intelligence won’t be. This is the way Xiaobian personally came. Does this have a negative effect on us? If you want to buy a house recently, but if you borrow from another bank, you may get a letter, which may affect your application for a mortgage. However, Guangfa Caizhi will only show the first phase of your upcoming loan repayment. The rest will not be displayed unless you are overdue. But the premise is that you have a widely-issued credit card, so the benefits of Guangfa Card is very obvious. In addition, the issue of Guangfa Card's withdrawal must wait for six months. When applying for a card, it is to fill in the data. It must be optimized at the top of the data. Because your qualifications determine how much credit the bank gives you and how much credit you get. Can be properly packaged on your data. Xiao Bian’s application is for a platinum card. The annual fee is 400 yuan per year, and 6 brushstrokes are free of annual fees. After getting the card, Xiao Bian began to do the staging, and on time repayment, when the amount of the amount, close to 10,000 yuan. Here's a mistake in the practice of Xiao Bian. It was purely when you didn't understand the card. Otherwise, you could at least mention 15,000 points at a time. Through the accumulation of the previous period, Lao Ba Financial Co., Ltd. can finally get a call from the GF Securities Customer Service Center and sell it to me. For the first time, I refused because the quota for me was too low for the first time, giving only 30,000 pieces. After half a month or so, customer service calls me again. My quota has increased to 51,000 yuan, which means that I can directly withdraw 51,000 yuan from Guangfa, and at the same time it does not affect the application for mortgage loans. Specifically, in the half-month period, Lao Ba Financial has used the credit card well. Therefore, if so many credits are raised in the middle of the journey, and if there is an increase in the amount, it must be applied to his APP. The specific method of use is also two strokes: bold brush and timely return Bold brush, multi-dimensional consumption, because in the past always cautious brush, always thinking about how to pay back the credit card as soon as possible, but only later discovered that the credit card money has a lot of benefits, thinking changed, then brush . In a timely manner, after the bills have been paid, they will all go in, regardless of the minimum repayment amount. At the same time, the previous period is also completed in advance, and then you can brush it out.
  • 65051
  • If you are a net purchaser and want to apply for a credit card, you can consider this GF Taobao credit card, use this card online shopping can accumulate points 噢 ~ ~ However, before the application, we have some basic information on the card Knowing clearly, such as application conditions, annual fees, quotas, benefits, etc., can be more convenient in the process of use. Let's do a simple analysis for everyone from the following aspects. Let's learn about it together below. Let's take a look at what kind of credit card this is GDB made a Taobao joint name card credit card with Alipay and Taobao. By integrating the financial and payment service advantages of Guangfa Bank and Taobao, it created a financial and quick payment credit card product. The card has the basic services and functions of a GF card and can participate in offline card merchant discounts in activities such as “Gong Fa sharing day” (unless there is a special restriction on participating cards in the activity rules), and it also has unique features. "Points", "Multiple Weekly Weekly", "Monthly Month Grab Red" and other features. Then see how you can apply for this Taobao card Many card readers have heard that Guangfa Taobao credit card can accumulate credit card points and can use the collected points to exchange cash, so they all want to apply for one. But this credit card is not so easy to apply. If it does not meet its application conditions, it will be rejected directly by the bank. If you are 18 to 65 years of age, you have a stable job and fixed income, no bad credit history, and you can provide the applicant's ID card or military officer's certificate, plus a copy of the passport plus the most recent 3 consecutive payrolls or payroll passbooks; 3 Certificates of deposits of more than a month; proofs of residence; real estate licenses; motor vehicle licenses, etc. are still easy to apply. Then we can evaluate how much credit you can apply for this card When applying for a credit card, many card members will pay attention to the amount of credit card they like. As the largest number of applicants for the Taobao credit card, because there are two kinds of card, gold card, so the amount is also different, the specific amount depends on the applicant's credit status. It is reported that when Guangfa Bank grants the credit card overdraft, it will review the given credit limit based on the personal data provided by the applicant. That is to say, the more detailed and comprehensive the information provided by the applicant to Guangfa Bank, the higher the credit limit will be given later. In addition to the quota, we also need to understand its annual fee Guangfa Taobao credit card has two levels, namely the card and the gold card, so the annual fees and charges cannot be generalized. The higher the card's annual fee, the higher the annual fee. The specific charging standards are as follows: 1 Puka: The main card is 40 yuan/year, and the supplementary card is 20 yuan/year; 2 Gold Card: Main Card 80 RMB/year, subsidiary card 40 RMB/year; Finally, I will introduce you to other related matters of this card. Many card readers saw the word “Taobao” and thought that the GF Taobao credit card could only be used for shopping on Taobao. Actually, in addition to online shopping, there are still many uses for the card, for example, they can also be consumed in physical stores. , take cash, stage, and so on. Speaking of cash withdrawal, the cash withdrawal method and the charge standard of Guangfa Taobao Credit Card and Guangdong Development Bank’s other credit cards are the same. They are divided into domestic, overseas, the Bank, and a variety of ways in different places, with different fees for different types of withdrawal fees.
  • 111743
  • "Why is my application for issuing a credit card rejected?" "After the application is rejected, it has no effect on me?" Perhaps some people will have the above doubts. Then, take Guangfa Credit Card for example. Why the credit card failed 1. The applicant’s own conditions are not enough, such as lack of stable work, underage, low or unstable income, low education level, and bad credit history. 2. GDB has no business hall in the local area, such as some third-tier cities, remote areas, and townships, etc. Since Guangfa Bank has not laid a credit card business locally, local customers generally cannot apply for a credit card. 3, other reasons, such as personal credit records are frequently reviewed, there have been loans or credit card overdue records. How to avoid applying for credit card declined First, to improve their qualifications, we must first pass the threshold of application and have a stable source of income. On this basis, if you can provide more proof of property, such as real estate, cars, etc., not only can improve the probability of passing the application, but also can effectively increase the initial credit line. Second, do not apply for more than one bank credit card at the same time, as long as the application is submitted, the bank will check your credit record in the central bank, and the credit record is frequently viewed in the short term, it will affect the bank's credit rating on the applicant. Third, do not apply for a temporary change before the application card, Guangdong Development Bank requires Shen card people have a stable job, it is best to work in the current work unit for more than six months. 4. Do not write off existing credit cards before applying for the card, and even avoid writing off the credit card issued by Guangfa. This is an unreasonable move that will make the bank doubt the purpose of the application and thus refuse to issue the card.
  • 17780
  • Recently, major banks such as CITIC and Pufa have been pushing credit card cards that are more in line with the consumer consciousness of younger groups, regardless of whether they are close to the card design. Youth style is still favored by young people in consumer brands. A few days ago, Guangfa also launched a similar style of credit card - Guangfa ONE card, abusive brother finally not so abolished, and today mainly tell you about the new card. Guangfa ONE Card Level: UnionPay Gold Card. Annual fee: 80 yuan/year No annual fee for the first year, brush 6 times for annual fee. Interest-free period: up to 56 days. All online and offline transactions count points. Consumer rights customization. The initial quota is high: The initial quota widely issued is relatively generous, usually around 20,000. This is also the first credit card selection that many cardmates apply for. The reason for the fate. GF made small tips 1, the curve amount. This card belongs to the Gold Card level. After the quota reaches more than 30,000, it will be sent out for the Platinum Card. After receiving the invitation In order to apply for a wide range of platinum cards, such as Dai Shangbai. After the card friend A curve was applied for, the quota was increased from the previous 34,000 to 55,000. 2, properly staged. Guangfa is more like the card friends after the consumption to do the stage, 3, 6, 9 period. Many card friends after the end of the instalment , have received the notice of GF. For example, after the card friend A raises the amount to 5.5 million in the curve, he also appropriately stages and raises the amount to 7.5. Million. If you don't have a credit card, Guangfa Credit Card can give priority to you because the initial limit will be high. Powerful Word Brother! Guangfa looks like a good raise! Haha! I feel pretty good
  • 13534
  • In the first half of the year, banks will put some water from time to time But there are always people who can mention someone who can't mention this. . . Look at character! What we have brought to everyone today is the widespread use of violence. Not much nonsense, directly on the map: In other words, the GD DIY card, which originally had a quota of only 10,000 yuan, was applied for this “value-added platinum card,” and the quota suddenly surged to 80,000, which is simply shocking! The protagonist of today is: Guangfa Shanhang Value Added Platinum Card! Slight explanation, some people may not understand why Shan Airlines sent Air China's companion mileage? Shandong Airlines is owned by Air China. This Shanhang Express, the annual fee is 2500, don't retreat first, and don't charge an annual fee without opening a card. In fact, the annual fees are not afraid. The rights and interests are good and you can definitely get back. The airline mileage is 7:1. The birthday month is double points, plus 5% of mileage. The oil and water are still quite big. However, I know that people are not concerned about this. What you are most concerned about is the quota. Platinum cards with rigid annual fees will be higher, which is also a well-known principle. This is also the same for Shanhang Airlines and the basic amount of cards is 30,000. Suggested Raiders: After applying for the Airline White, if you can get a card, then congratulations. The key point is: Don't open the card, directly add a new annual fee-free Guangfa card. After the card is issued, the quota is the quota of Shanhang Baibai. Suitable for people who are below 3w of the SD card, especially those who do not mention it for a long time, or the 3K party and 1W party. According to the netizens of the forum, the recent approvals for the cards were all over 50,000. Can not help it, Shen Hao, if pregnant, haha!

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