Guangfa True Credit Card
Xiaobian reviewsSelf-selected merchants triple bonus points
Scan code collar APP card red envelope
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 date 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
Self-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 to online banking registration. The upper limit: 200,000 points/month/card.
Purchase 5% discount on Mango Products
Excluding air tickets, purchase of travel products will receive 5% of Mango Club points and 15 yuan caps.
Time: May 10, 2016 - December 31, 2016
Dangdang online purchase book minus 200 yuan minus 20 yuan
Get a Dangdang Book Coupon at Guangfa Weixin Wechat Public Co., and reduce the purchase price of the book by 150 yuan by 20 yuan. It is limited to one person per month.
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 and the daily rate is 0.05%
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, the minimum charge is 10 RMB or 1 USD or 10 HKD
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
- Phase 36 issues12 issues18th issue24th issue
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 the 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 any 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 and must be optimized in the above information. 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 is applying 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 Guangfa Credit Card 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 the amount of credit is increased in the middle of the journey, and if the amount is increased, 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.
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 advantages of financial and payment services of Guangdong Development Bank and Taobao, Guangfa Bank 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 fee collection 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 of the card, for example, it 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, and different withdrawal fees are different.
"Why is my application for issuing a credit card rejected?" "After the application is rejected, it will have no effect on me." Perhaps some people may have such 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 look at 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 half a year. 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.
Guangfa Shanhang added value platinum card renewal text yesterday, got the card, sun drying card surface, introduce the value-added white "set card." Timberwood checked and added a foreign currency single currency card (if you didn't add a foreign currency card to send a pp card), and you hadn't done a GF Plus Platinum Card or a Dragonfly Platinum Card before, and applied for a second Four cards were sent directly afterwards, and were issued separately in three ems. The GFAP Platinum Card and Visa were in one envelope. 1 Guangfa Shanhang Value Added Platinum Card UnionPay, 1 Guangfa Shanhang Value Added Platinum Card Visa, 1 PP Card, 1 Dragon Card. What are the rights and interests of UnionPay and visa? Great difference I. The GF Mountain Value-Added Baiyin Alliance is not described in detail here. Which friends are suitable for holding and how to apply? The previous article has been discussed in detail. GF Mountain Airlines Value-Added Platinum Card, 7 yuan/mile, each credit card points can be automatically redeemed Phoenix Phoenix Sky mileage, can be seated on Shandong Airlines, Air China, and Cathay Pacific flights. In addition, double-mile mileage can be used for business travel, and double-mile mileage for business travel, hotel accommodation, travel agency and other industries. There are also double points accumulated outside of the birthday month, with a maximum monthly reward of 35,000 miles. 2. The Visa card of the KFAS Plus VISA Platinum Card is mainly used for overseas consumption. After consumption, it will accumulate miles and can enjoy double mileage treatment abroad. Because GF-Platinum Card UnionPay is accumulating 1 mile for a consumption of 7 yuan, it will accumulate 1 mile for overseas consumption by 3.5 yuan, and the accumulated mileage limit will be the same as that of Shandong Airlines Value Added Platinum UnionPay. Hey. Everyone noticed! The Visa and UnionPay cards can be opened separately, and the annual fee is calculated separately. This means that the value-added white visa can be used for overseas consumption, and it can enjoy a cumulative mileage of 3.5 yuan (a maximum of 0.9:1 for a white unicorn). So what is this Shan Airlines Value Added White visa annual fee? Mu Wood consulted customer service: no annual fee for the first year, brush 3 times free annual fee, whether online or offline can be outside or offline. For this reason, overseas consumption is much, and Air China's mileage needs just need to use the airline's value-added white visa for overseas consumption. The UnionPay card organization may not open the card. In the add-on process, there are v/m, two options, which card is M? In fact, it is the Liga that returns 1% without a threshold. It was not possible to apply online before. In the process of adding, Wood advised you to add Visa, because M's return to the current card can be done after the card, and visa can not be re-submitted. (How to add? Please say in the wood wood card micro-letter public reply "Add to the foreign currency card" to obtain a link) The GF can be sent to Lika to enjoy cashback activities overseas. It is a separate card, and the first and second cards can be applied for. There is no brain cash back every time. 1% no matter what merchants, regardless of online or offline, and the highest monthly cash back 100 In the United States dollar, a 1.2% service charge is waived for spending outside the country. Lika also has a new account: Apply before April 30th, 18th, and receive a free gift of 8 US dollars (equivalent to 56 yuan) regardless of the amount of money you spend online or offline. USD, up to USD 15 per month; annual fee: 3 spendings, free annual fee Third, Dragon Card = meal card unlimited times. Free unlimited trials of airports in major cities such as Beijing, Shanghai, Guangzhou, Shenzhen, Hangzhou and exclusive VIP lounges for high-speed railways throughout the year. If a Dragon Card was previously issued, the equity is calculated on the highest equity card. Fourth, the PP card (foreign priority peer card) will only send PP if you choose to add a single currency card, otherwise it will not be sent. Free unlimited access to more than 600 designated priority pass airport lounges. Regarding the main card that can't pass the 2,500-year fee, only the Shandong Airlines value-added white visa card can also enjoy unlimited airport, high-speed rail VIP lounge privileges, and unlimited overseas airport VIP lobby rights. Personally think that is not feasible ... After all, it is the main card that opens the card for 2500 annual fees. Everyone should not follow suit. There are also questions to ask: Will the quotas curve? 90% will not be drawn up. There are 10% to see the system. Air China God card, business travel dog essential card, how do you think? More exciting articles, platinum card application, the amount of tips, with the card pose, please pay attention to the WeChat public account "Mumu said card"
Referring to Guangfa Credit Card, for the majority of card-friends, the most refreshing thing is the ability to generate multiple points with many cards. Guangfa Card has scored points for merchants who are in contact with a lot of lives. It can be said that it is a credit card that is more grounded. The following table shows that Guangfa Cards offers multiple points for merchants of the self-selected category. Therefore, for the universally adaptable merchant points, it is also the favorite of many card members. Today's SCO Group's three swordsmen, who also have the attribute of multi-fold integration, have doubled their accumulated points and are therefore loved by the majority of card-friends. They are the China Southern Airlines Platinum Card and the True Love Platinum Card, which are issued by the GF DIY Card and the Enjoyment Series. In an earlier article, Mr. Bei mentioned the usage and attributes of the DIY card. Because it is positioned at the gold card level, the application is difficult and the annual fee can be waived. The golden card that everyone is most likely to start with may be this card. The Platinum Series and Platinum Platinum Card series have a common feature in that they enjoy triple points or double miles for business trips and overseas spending branches. It is also a weapon for mileage redemption. The genuine platinum card's unique time consumption multiple points, looks very bright. In addition to having a lot of special rights and interests, the GF Realty Platinum Card is the most prominent one in which 50% points are designated for consumption on weekdays and 80% on weekends. The designated consumption type can be selected from the following four categories: "F&B", "Entertainment", "Tourism" and "Department Store". Up to 1 million points per card per month. Many people are directed at this. Let’s just become the three cards that show great performance as the “Three Musketeers”. If you use data and algorithms to compare, whoever is better with three cards, which card is better for points? And look at the following table: If you simply look at the points, there is no doubt that the true feelings of Bai Yaoyao lead, and if you use a reasonable, you may need to spend the lowest cost, need to spend 125,000 yuan. However, from the point of view of the total mileage obtained, China Southern Airlines enjoys the highest monthly income of 70,000 miles, and it is the love of flying passengers. However, if you want to save annual fee for the annual fee, you may be able to attract some people to start with. Take a look at the chart above, in which you only need to know the different conversion ratios of the redemption miles for points. You should know that the cards issued by Guangfa are very clearly categorized. Although different cards have different points for accumulating points, different mileage conversion ratios are also set. From the separate milestone of China Southern Airlines, we can see that the relationship between GF and China Southern Airlines is not unusual, and there are also a lot of exclusive rights and interests for GF China Unicom. It is easy to apply for a copy of the China Southern Airlines Pearl White Card that was familiar to us before it was cancelled and the audit request was improved. It can be clearly perceived that the strongest player in the China Southern Airlines Joint Name Card is the Guangfa Credit Card. So, before I finished the year, I dismissed the handful of beggars, the purpose of which was to change to a China Southern Airlines white. The current card distribution strategy: Enjoy CSN White + diy Gold Card + Student Gold Card DIY gold card selected food and beverage entertainment + shopping category, and then enjoy the China Southern Airlines white master brush business class. This includes the most comprehensive types of businesses, and there is no worry that frequent brushing of either type will be suspected. that's it. Pay attention to the public number: Mr. Card North (yqz8z8) Play Card North to share everything about your credit card.
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- Is the credit card open for the first year free of annual fees?
- Ningxia Zhongwei can apply for it?
- Hello, I used to have a mortgage at my hometown's Agricultural Bank (repayments are not overdue). Can I apply for a credit card? What information is needed?
- Pro, the last time a Guangfa salesman came over to help me apply for a credit card, I went to apply for a progress check, but it wasn’t enough because he didn’t apply for me.
- Hello, I am an employee of a public institution. My monthly salary is nearly 4,000 yuan. Can I apply for a credit card? What is the general limit?
- How do I know my repayment date?
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