Guangfa true credit card
Xiao Bian commentsOptional business tripled points optional insurance gift
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Annual fee policy: The first year free annual fee, credit card spending 6 times free annual fee
Points rule: By 1 = 1 points, HK $ 1 = 1 points, USD 1 = 6 points
Credits Valid: Card date starts, the annual integral within two years effective, gold card 7 fold into the next card
Take now: The maximum cash ratio is 50%, take the current fee for the amount of 2.5%, the minimum domestic fee of 10 yuan
Minimum repayment ratio: 10%
Interest-free period: Minimum 20 days, up to 50 days
SMS notification: GF Bank credit card over 300 transactions SMS notification free of charge
Loss of card protection: GF Bank credit card can enjoy 48 hours before the loss of card security services
Application conditions: 18 years old - 65 years old, with stable work and fixed income
Application materials: The applicant's identity card or officer's card, a copy of the passport to add any of the following materials: 1, the last three consecutive payroll or wages passbook; 2,3 months or more proof of deposit; 3, the account of this; 4, real estate license ; 5, motor vehicle driving permit
Choose business tripled points
Department stores, restaurants, tourism, entertainment, optional one. New customers can fill the form of three times the level of business types, existing customers registered online banking registration. Maximum: 200,000 / month / card.
50% discount online
May 24, 2016 - December 31, 2016, holding the card in the daily online shopping network and online banking to pay, that is, enjoy. Guangfu full of 200 back to 100 times, not with the Tianyuan network activities to share.
50% discount on the purchase of mango net travel products
Except for the ticket, the purchase of tourism products will be the amount of 5% mango net points, 15 yuan cap.
Time: May 10, 2016 - December 31, 2016
Take now: The maximum cash ratio is 50%, take the current fee for the amount of 2.5%, the minimum domestic fee of 10 yuan
Repayment The minimum repayment amount is 10% of the current month's bill, 0.05%
Breach of contract Repayment is less than the minimum amount of repayment part of the need to pay 5% of the liquidated damages, the minimum charge of 20 yuan
Overrun More than 5% of the credit line, the minimum charge of 10 yuan or 1 dollar or 10 Hong Kong dollars
Overflow: Deposit the amount of excess part of the arrears, take out 0.5%
Loss: RMB / dual currency card RMB35; dollar card USD6; Hong Kong dollar card HKD40
Fill card fee: Magnetic stripe card: 15 yuan, IC card: 20 yuan
- 3 period6 period12 period18 issues24 period
If you are a net purchase of people, you want to apply for a credit card, you can consider this GF Taobao credit card, the use of the card online shopping can accumulate points Oh ~ ~ However, before the application, we have some of the basic situation of the card Understand, such as the application conditions, annual fees, quota, equity, etc., so as to be in the process of use more handy. From the following aspects for everyone to be a simple analysis, the following together to understand the next. Let's take a look at what kind of credit card GF Bank and Alipay, Taobao joint Taobao joint card credit card, through the integration of GF and Taobao financial and payment services to create a perfect financial and fast payment of credit card products. The card has the basic services and functions of the credit card, which can participate in such as "Guangfa Sharing Day" and other activities in the line under the business shop credit card discount (there are special restrictions on the activities of the card category), but also unique "save every day Points "," Zhou Zhou times more points "," month to grab red envelopes "" and other features. Then look at how to apply for this Taobao card A lot of card friends heard Guangfa Taobao credit card can accumulate accumulated credit card points, and can be used to get the set of cash for cash, so want to apply for a. But this credit card is not so easy to apply, if you do not meet the application conditions, will be directly rejected by the bank. If you are 18 years of age -65 years old, there are stable work and fixed income, no bad credit records, and can provide the applicant ID card or officer card, passport copy plus the latest three consecutive payroll or wages passbook; Month or more proof of deposit; account of this; real estate license; motor vehicle driving permit and other proof is still very easy to apply. And then evaluate how much you can apply for the card When applying for a credit card, many cardholders will be concerned about how much credit card you like. As the largest number of applicants Taobao credit card, because there are two kinds of cards, gold card, so the amount is also different, the specific amount of the applicant according to the credit situation. It is reported that GF Bank in the credit card overdraft time, according to the applicant to provide personal information to check the given amount on the line. That is to say, the more detailed the information provided by the applicant to the Guangdong Bank, the higher the amount of credit overdraft will be given. In addition to the amount, we have to understand its annual fee situation GF Taobao credit card has Puka, gold card two levels, so the annual fee situation can not be generalized, the higher the level of the annual fee is higher, the specific charges are as follows: ① Puka: the main card 40 yuan / year, subsidiary card 20 yuan / year; ② gold card: the main card 80 yuan / year, subsidiary card 40 yuan / year; Finally, introduce the card to other related matters A lot of card friends to see "Taobao" word, that GF Taobao credit card can only be used to shop on Taobao, it is not true, in addition to online shopping, the use of the card there are many, for example, , Take now, staging and so on. Speaking of cash, GF Taobao credit card and other bank credit card issuance methods and charges are the same, divided into domestic, overseas, the Bank, off-site a variety of ways, different fees are different.
"Why do I apply for a credit card will be rejected?" "Application refused to me after no effect?" Maybe some people will have the above doubts, then, to send a credit card as an example to tell you about. Credit card did not pass the reason 1, the applicant's own conditions are not enough, if there is no stable work, age is too small, low income or instability, lower education, had bad credit records and so on. 2, GF Bank in the local business hall, such as some three or four lines of cities, remote areas and township areas, etc., as the Bank of China is not in the local laying of credit card business, local customers generally can not apply for credit cards. 3, other reasons, such as personal credit records were frequently accessed, there have been loans or credit card overdue records. How to avoid applying for a credit card is rejected First, to enhance their own qualifications, first of all to cross the threshold of the application, 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 application, but also effectively improve the initial credit limit. Second, do not apply for a number of bank credit card at the same time, as long as the application, the bank will check your credit records in the central bank, and credit records are frequently seen within a short time, it will affect the bank's credit evaluation of the applicant. Third, Shen card before the temporary do not change jobs, GF Bank requires a stable work of the card, the best work in the current work unit over six months. Four, Shen card before the cancellation of the existing credit card, but also avoid logging off the credit card, which is unreasonable move, let the bank doubt the purpose of the application, and thus refused to issue cards.
CITIC Bank Points rule: Validity: Card account points valid for up to two years, the shortest one year. All online payment transactions are not points (except for networked joint credit cards) Birthday multiple points: birthday credit card 2 times the integral points, the upper limit of the card is 5 times the amount of fixed card. CITIC does not have a list of merchant types Focus: Wholesale business is not a high rate of points, almost covering the commonly used wholesale business. CITIC and Taobao joint V card series has many points, which is one of the ways of multiple points. CITIC points for the proportion of the general cardholder is not particularly cost-effective, it is best not to engage in easy to use cards and so many points to say. CITIC merchants are very friendly and daily consumer business, and people's livelihood, like the daily eating and drinking most of the points have points. From CITIC's main activity, 9 points interest can be seen this point. CITIC suitable for credit card consumption, small white-collar eat and drink. Only the annual fee of platinum rights are more visible, but the price is really not high. GF Bank Points rule: 1 yuan = 1 points 1 dollar = 6 points 1 Hong Kong dollars = 1 points Validity: Valid for card validity Some online transactions do not accumulate points, this part is very vague, not specifically found the provisions. Online summary of a bit, CUP online according to MCC have points, Jingdong white bars have points, some direct online banking has points. If the user measured the actual situation of meat, welcome message added. Birthday multiple points: birthday credit card spending 2 times the integral points. There is no business type Real estate, wholesale, auto sales, gambling, financial and securities payments, utilities, medical institutions, government agencies, charitable and nonprofit institutions, some online transactions, tents and awnings stores, institutions charges, legal Service, telephone, insurance, tax, on behalf of the payment business and other personal services are not included in the other code are not calculated points; Focus: GF DIY card comes with 3 times the integral attribute, is a lot of cardholder's favorite, with the student card is the best choice for line mileage. GF card is also the card fans are the most commonly used card, more times points plus, points to merge mileage is to force. GF is the key word "mileage". In addition to the above list is not integral business, most of the other points, points are still very good. GF is also a good raise, the proposed intensive. Simple accumulation of capital, accurate investment in life. Concerned about the public number: Mr North's financial life (yqz8z8), and like-minded people to share credit card financing.
How to play the rich points? Previously written a forum set posted, although the theory is very high points very attractive, but the actual operation, or difficult. Recently re-visit the forum and the official website of the official study of a bit, found the most simple and most reliable or these two methods to save points. (1) DIY card + student card combination, points for mileage. Gold card level in the best brush points + redemption mileage portfolio. why? Because Guangfa diy card comes with 3 times the integral attribute, which is optional three types of business can achieve three times the credit card points. Dining and entertainment, shopping, travel. You can choose one as their own three times the cumulative option, you can also choose. But only one free, plus each of the items to 29 yuan / year annual fee. In order to integrate the great cause, do not care about a year to pay the 29 friends. Have chosen it So you have three types of businesses can credit card points, let me come here to list the MCC code here, If you have a sea intermediation, you can brush at least these types of businesses: restaurants, fast food restaurants, drinking places, dance halls, department stores, health and beauty spa, accommodation services, travel agents. These are all in the Haike optional business type, we can enjoy the brush. Points: line points have to simulate the real consumption, can not eat a fat man, the highest monthly 200,000 points (gold), Puka (100,000 points), to do their own credit card planning, so that these businesses look at the time logic On the real consumption. How to do specific, I would like to know what clever brush it, do not foolish day brush 10 million hotel accommodation. Points exchange: with points, we must use the student card exchange, which is the gold card level in exchange for the best proportion of the card, because there are three times the points blessing, in fact, the equivalent of brush down 6.66 yuan is equal to a mileage. Key points: Guangfa DIY gold, student card, Haike integration of a POS (GF card application link I put "read the original") (2) DIY card three times points plus, for the amount of money. This method has been said to be a desirable approach. But I think the angle is different, understanding is also different. How to do it? Because the specificity of DIY card, DIY points have a special function is 10000 points for 20 yuan payment repayment gold, if the above three types of business points triple points, you can draw the conclusion is that each brush out 10,000 yuan, your Credit card costs can be offset by the amount of repayment of the amount of money. Credit card 10,000 yuan = 30000 points = 60 yuan to pay the repayment of gold. And the market common POS machine credit card rate is 0.6%, 10,000 yuan credit card is 60 yuan. The final conclusion is that there are 9940 yuan in cash is that you can use in an interest-free cycle. It is inferred that if you have the amount of 50,000, according to this law to do, you say in an interest-free period with 49,700 yuan of funds can be used to do all sorts of things. Earn the income, is your net profit. Do not tell me that you will not use the 49700 yuan to earn thousands of dollars back ah. With the amount of money this method, in fact, the best choice for the use of funds, more than pure points for mileage, mileage and then more directly to achieve the benefits of harvest, I think people who know how to use the money will choose this one, after all, You have to find more income channels, and the price is not stable. Above is my personal DIY card points for the use of the two classic games, do not know which you like? Welcome message. Simple accumulation of capital, accurate investment in life. Concerned about the public number: Mr North's financial life (yqz8z8), and like-minded people to share credit card financing.
See the landlord The Yesterday introduced some of the attention of GF cards, and then add that today, On the wide card network application card must go to the network side of the card to be confirmed, accurate, no side of the students may be the network or the clerk for the identity card and other personal information has been collected for the sake. Correction, if the face has been signed, the application of the two cards do not need to sign, direct use of the card can be used. Yesterday's tweets probably introduced some of the GF card play, some old drivers naturally know how to apply for a card and then brush out the mileage, and then use their own Ye Hao, for others to use swap money Ye Hao. In short, the benefits of a lot. There are also small partners interested in this message, today combined with the experience of online gods to share. Several cards are combined to achieve optimal selection. High-end version GF China Southern Platinum Card Points for mileage ratio is 7: 1, business class and overseas credit card 2 times the integral, the monthly business travel ceiling of 35,000 miles. If the monthly credit card received full 35,000 miles, plus the doubled mileage, you can get up to 70,000 miles, need a total of 24.5 million credit card. Then the annual is 84 million mileage value, according to the Internet that 10,000 miles = 1050 yuan The amount of money is 88200 yuan a year, of course, this will go out the cost of credit card, 24.5 million per month, then the cost is 24.5 million X12X0.38% = 11172 yuan The ultimate benefit is 88200-11172-2500 = 74528 yuan (Note: GF China Southern Platinum card has a hard annual fee of 2,500 yuan) Guangfa Southern Airlines Zhen enjoy platinum card Points for the mileage ratio is 5: 1, business class and overseas consumption 2 times the score, the monthly limit of 3.5 million, The basic routines can refer to the above China Southern Platinum card, the difference is that the cost of credit card needs 350,000 per month, annual fee of 800 yuan per year, Finally calculated the conclusion is: the ultimate benefit is 88200-15960-800 = 71500 yuan Guangfa true white card + student card True Platinum Card Points Accumulated upper limit of 1 million points / month / card, and then for students to change mileage. With card Raiders: monthly consumption of 1 million /8=12.5 million, get 1 million points, and then for students to change mileage of 50,000 miles per year, 600,000 miles per year. Mileage value: 60 * 1050 = 63000 yuan Get the cost: here according to 0.6 count, 125000 * 12 * 0.6% = 9000 yuan The final maximum theoretical income: 63000-9000-2500 = 51500 yuan (2,500 yuan is the annual fee) Civilians China Southern Airlines gold card Points for mileage ratio of 7: 1, business travel consumption accumulation double points, the highest monthly mileage of 35,000, need to credit 24.5 million, an annual cumulative mileage of 420,000. Mileage value: 42 * 1050 = 44100 yuan Acquisition cost: 245000 * 12 * 0.38% = 11172 yuan The final maximum theoretical income: 44100-11172 = 32928 yuan (gold card does not need annual fee) Guangfa Zhen is still white + student card Zhen is still white 25: 1 exchange mileage, business travel and 3 times abroad (basic 1 +2 times) points, the highest monthly reward of 500,000 points per month, which is 25 million per month consumption; unlimited high-speed rail VIP interests; Card Raiders: 25 million per month, one year can get points = 25 * 3 * 12 = 9 million, convertible mileage = 900/20 = 450,000 miles Mileage value: 45 * 1050 = 47250 yuan Acquisition cost: 250000 * 12 * 0.38 = 11400 yuan The final maximum theoretical income: 47250-11400 = 35,850 yuan (Why here with the student card, that the student card is the gold card level points for the proportion of the most cost-effective, 200,000 points = 1 million miles) Guangfa DIY card + student card DIY gold card has 3 times the points, in the application must be opened 3 (catering, shopping, travel) optional business 3 times the points, each month can have 200,000 (Puka 100,000) consumption has many points to enjoy. Card Raiders: Monthly in these three consumption of 200,000, a year to get points 20 * 3 * 12 = 720, with the exchange rate of 720/20 = 36 million mileage. Mileage value: 36 * 1050 = 37800 yuan Acquisition cost: 200000 * 12 * 0.38% = 9120 yuan The final maximum theoretical income: 37800-9120-58 (diy open 3 times the cost) = 28600 yuan The above is a combination of credit card Raiders, basically covered the mainstream version, but there are several issues that need attention. First of all, the monthly credit card is more than 200,000 is desirable, the logic of the barrier, generally very few people to achieve more than 200,000 monthly credit card, do not meet the common sense, so the bank will wind control. So it is questionable. Second, the cost of 0.38% of the cost to calculate the cost of a problem, business class business in general POS machine is certainly 0.6% rate, and can not do 0.38% rate, this cost algorithm is also worth discussing. Finally, all the algorithms are the theoretical value of the deduction, really put into practice, or there is a certain degree of difficulty, such as the amount of restrictions, if you want enough to brush enough 245,000, you need to repeat the repayment, and then brush, less than 50,000 The card is simply torture, the bank will also be eyeing the wind control. So, in general, a small line Yiqing, big line and wounded, the bank's hair is not so easy to get the hand, we do what, but this idea is desirable, from different combinations of credit card, to achieve the exchange of benefits Maximized, can be properly referenced. Mileage realization Question: on the mileage after the realization of the problem, today found some information, are currently some people's private operation, there is a certain risk, probably the process is this: You need to register a member of the airline, the mileage accumulated, the transaction is basically carried out on Taobao, Taobao shop has a special income, photographed after its products, asked you to accumulate mileage membership account password issued to each other, the other In 3-7 working days to complete the consumption of mileage conversion operations, and then paid by Taobao to your corresponding arrears. Probably swept the eyes, some shops give the price, and did not reach 1050 yuan / million mileage, the price is concentrated in between 700-1000 yuan. So, this way, we can also be appropriate to consider, according to their ability to play. Simple accumulation of capital, accurate investment in life. Concerned about the public: Mr North's financial life (yqz8z8), access to the latest credit card, personal financial knowledge to share. The post posted for the author, does not represent the financial 360 position, reproduced to indicate the source
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