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Guangfa true love credit card

Guangfa true love credit card

Xiaobian Review

Self-selected merchant triple points Self-selected insurance gift
  • Self-selected merchant triple pointsSelf-selected merchant triple points
  • 5% off on the purchase of mango net travel products5% off on the purchase of mango net travel products
  • Dangdang online book full 200 yuan minus 20 yuanDangdang online book full 200 yuan minus 20 yuan
apply immediately

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Guangfa true love credit card
  1. Puka
  2. UnionPay
    MasterCard
  3. Renminbi
    Dollar
  4. annual fee:90 yuan
    Transaction free annual fee
Guangfa true love credit card
  1. Gold card
  2. UnionPay
  3. Renminbi
  4. annual fee:85 yuan
    Transaction free annual fee
Guangfa true love credit card
  1. Gold card
  2. UnionPay
    MasterCard
  3. Renminbi
    Dollar
  4. annual fee:260 yuan
    Transaction free annual fee
Guangfa true love credit card
  1. Puka
  2. UnionPay
  3. Renminbi
  4. annual fee:45 yuan
    Transaction free annual fee
All cards in the same series

Annual fee policy: The annual fee is waived for the first year, and the annual fee is waived for 6 times.

Points rules: Press RMB 1=1 points, HK$1=1 points, USD 1=6 points

The validity period of the points: Starting from the card issuance date, the annual score is valid for two years, and the gold card is 30% off the next card.

Cash withdrawal: The maximum cash withdrawal ratio is 50%, the cash withdrawal fee is 2.5% of the cash withdrawal amount, and the minimum domestic fee is 10 yuan.

Minimum repayment ratio: 10%

Interest-free period: Minimum 20 days, up to 50 days

SMS notification: Guangfa Bank Credit Card 300 yuan or more transaction SMS notification is free

Lost card protection: Guangfa Bank Credit Card can enjoy 48 hours of loss before card loss protection service

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

Application materials: Applicant ID card or military officer's card, passport copy plus any of the following materials: 1, the latest three consecutive pay slips or wage passbook; 2, 3 months or more deposit certificate; 3, household registration; 4, real estate license ; 5, motor vehicle driving license

Exclusive privilege

Card privilege

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

    Choose one of department store, catering, tourism and entertainment. The new customer can fill in the form with three times the level of the merchant type, and the existing card customer can log in to the online bank for registration. Upper limit: 200,000 points / month / card.

  • 5% off on the purchase of mango net travel products5% off on the purchase of mango net travel products

    Except for air tickets, the purchase of travel products can be 5% of Mango.com and 15 yuan.
    Time: May 10, 2016 - December 31, 2016

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

    Go to the Guangfa Card WeChat public account to receive the Dangdang Book Coupon, and purchase the book for 150 yuan minus 20 yuan. It is limited to one per person per month.

Related costs

Cash withdrawal: The maximum cash withdrawal ratio is 50%, the cash withdrawal fee is 2.5% of the cash withdrawal amount, and the minimum domestic fee is 10 yuan.

Repayment: The minimum repayment amount is 10% of the monthly bill, and the daily interest rate is 0.05%.

Liquidated damages: The repayment amount is lower than the minimum repayment amount and a 5% penalty is required. The minimum fee is 20 yuan.

Overrun fee: More than 5% of the credit limit, the minimum charge is 10 yuan or 1 dollar or 10 Hong Kong dollars

Overdue payment: The deposit amount exceeds the amount owed, and 0.5% is charged when taken out

Loss of charge: RMB/Double Currency Card RMB35; US Dollar Card USD6; Hong Kong Dollar Card HKD40

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

Instalment rate:
  • Phase 3Phase 612 issues18 issues24 issues
  • --4.2%8.4%12.96%17.28%
Card friend reviews
  • 69594
  • The best thing about GF Credit Card is that it feels great when you take money from him and don't pay for it. As usual, if we apply for a small loan, we will apply for a letter as long as it is linked to the bank. This means that you took 50,000 pieces to the bank, all of which showed you owe so much money. However, Guangfa’s financial wisdom will not be. This is the way Xiaobian personally came. Does this have an impact on us? If you have to buy a house recently, but if you borrow from another bank, you may be able to apply for a letter, which may affect your application for a mortgage. However, Guangfa Caizhi will only display the first installment of the installment you are about to repay, and the rest will not be displayed unless you are overdue. But the premise is that you have a wide-ranging credit card, so the benefits of the wide-issue card are very obvious. In addition, the amount of the wide-issue card must wait until six months. From the time of Shenka, it is to fill in the information, and must be optimized on the data. Because your qualifications determine how much the bank gives you, and the rate of the card. It can be packaged on your data as appropriate. Xiaobian applied for a Platinum card, the annual fee is 400 yuan per year, and the brush is enough for six annual fees. After getting the card, Xiao Bian began to do the staging, and repaid on time, when the amount is raised, close to 10,000 yuan. The practice of Xiaobian here is wrong. It is purely that time does not understand the card, or at least it can raise the amount of at least 15,000. Through the accumulation of the previous period, Lao Ba Finance can finally get the phone number of Guangfa Credit Card Customer Service Center, and sell the financial wisdom to me. I refused the first time, because the amount given to me for the first time is too low, only 30,000 pieces. After half a month or so, the customer service called again, and my quota was raised to 51,000 yuan, which means that I can directly withdraw 51,000 yuan from Guangfa, and it does not affect the application for mortgage. Specifically, in the half-month time, Lao Ba Finance used the credit card well, so he only raised so many quotas in the middle of the journey. If you want to increase the amount, you must apply to his APP. The specific method of use is also two tricks: bold brush and timely Bold brush, multi-dimensional consumption, because always used to brush carefully, always thinking about how to credit the credit card instalment as soon as possible, but later found that credit card money has many benefits, thinking changed, it was brushed . In time, after all the bills have been paid, they will all go in, regardless of the minimum repayment amount. At the same time, the previous staging is also completed in advance, and then brushed out.
  • 69798
  • If you are an online shopper and want to apply for a credit card, you can consider this Guangfa Taobao credit card. You can use this card to collect points.~~ However, before applying, we need some basic information about the card. Know clearly, such as application conditions, annual fees, quotas, equity, etc., in order to be more comfortable in the process of use. Let's do a simple analysis for you from the following aspects. Let's take a look at the following. Let’s first take a look at what kind of credit card this is. Guangfa Bank and Alipay and Taobao jointly combined a Taobao co-branded credit card to create a financial and fast payment credit card product by integrating the financial and payment services advantages of Guangfa Bank and Taobao. This card has the basic services and functions of GF Credit Card, and can participate in the credit card discount of offline merchants' stores in activities such as “Guangfa Sharing Day” (except for the special restrictions on participating cards in the event rules), and also special “every day 攒Features such as “points”, “weekly points and more points”, “months and months to grab red envelopes” and so on. Then see how you can apply for this Taobao card. Many card friends have heard that Guangfa Taobao credit card can use to accumulate credit card points, and can use the obtained collection points to exchange cash, so they all want to apply for one. However, this credit card is not so easy to apply, if it does not meet its application conditions, it will be directly rejected by the bank. If you are 18 years old - 65 years old, have stable work and fixed income, no bad credit history, and can provide applicant ID card or military officer's card, passport copy and recent three consecutive pay slips or salary passbook; 3 More than one month's deposit certificate; account book; real estate license; motor vehicle driving license and other proofs are still very easy to apply. Then evaluate how much you can get for the card. When applying for a credit card, many card friends will pay attention to the amount of credit card they like. As the most applicants, the Guangfa Taobao Credit Card has different types of credits because of the Puka and Gold Cards. The amount of the specific amount depends on the applicant's credit status. It is reported that when issuing credit card overdrafts, Guangfa Bank will review the given online quota based on the personal data provided by the applicant. In other words, the more detailed and comprehensive the information provided by the applicant to Guangfa Bank, the higher the amount of credit overdraft will be given. In addition to the quota, we also need to know its annual fee. Guangfa Taobao credit card has two levels of Puka and Gold, so the annual fee can not be generalized. The higher the level of the card, the higher the annual fee. The specific charges are as follows: 1Puka: The main card is 40 yuan/year, and the auxiliary card is 20 yuan/year; 2 Gold Card: The main card is 80 yuan/year, and the subsidiary card is 40 yuan/year; Finally, I will introduce you to other related matters of the card. Many card friends see the word "Taobao" and think that Guangfa Taobao credit card can only be used to shop on Taobao. In fact, in addition to online shopping, the card has many uses, for example, it can be consumed in physical stores. , cash withdrawals, installments, etc. When it comes to cash withdrawal, Guangfa Taobao Credit Card and Guangfa Bank's other credit cards have the same method of withdrawal and charging. They are divided into domestic, overseas, local, and off-site modes. Different charges for different cash charges are different.
  • 115884
  • “Why should I apply for Guangfa Credit Card will be rejected?” “Is there any impact on me after I refused to apply?” Some people may have doubts as above. Then, let’s take GF Credit Card as an example. Why the credit card did not pass 1. The applicant's own conditions are insufficient. If there is no stable work, the age is too small, the income is low or unstable, the education is low, and there have been bad credit records. 2. Guangfa Bank does not have any business halls in the local area, such as some third- and fourth-tier cities, remote areas and townships. Because local banks do not have credit card business in the local area, local customers generally cannot apply for credit cards. 3, other reasons, such as personal credit records are frequently checked, there have been loans or credit card overdue records. How to avoid applying for a declined credit card First, to improve their qualifications, we must first cross 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 increase the probability of passing the application, but also effectively increase the initial credit limit. Second, do not apply for multiple bank credit cards at the same time. As long as the application is filed, the bank will check your credit record at the central bank, and the credit record will be frequently viewed in the short term, which will affect the bank's credit evaluation of the applicant. 3. Don't change jobs temporarily before applying for a card. Guangfa Bank requires the cardholder to have a stable job. It is best to work in the current work unit for more than half a year. 4. Don't cancel the existing credit card before the application, and avoid canceling the GF credit card. This is an unreasonable move that will cause the bank to suspect the purpose of the application and refuse to issue the card.
  • 20810
  • Recently, major banks such as CITIC and Pudong are pushing credit card cards that are more in line with the consumption consciousness of young people, regardless of the design of the card surface. Youthfulness is also preferred by young people in consumer brands. A few days ago, Guangfa also launched a new style of similar credit card - Guangfa ONE card, the waste brother is finally not so waste, today mainly to talk about the waste brother new card. Guangfa ONE card level: UnionPay gold card. Annual fee: 80 yuan / year The first year is free of annual fee, brush 6 times for the annual fee. Interest-free period: up to 56 days. All online and offline transactions are counted. Consumer rights are customized. The initial quota is high: the initial amount given to the GF is relatively generous, usually around 20,000. This is also the first choice of credit card for many card friends. The reason for the issue. GF's tips and tricks 1, the curve is raised. This card belongs to the gold card level. After the quota reaches 30,000 or more, it will be invited to apply for the Platinum Card. Once you receive the invitation, you will be able to To apply for a wide-spread platinum card, such as Yan Shangbai. After applying for the Kayou A curve, the quota was increased from the previous 34,000 to 55,000. 2. Appropriate staging. GF is more like card friends to do staging after consumption, 3, 6, and 9 periods. Many card friends after the end of the period They all received the notice of the GF's offer. Just as Kayou A raised the amount to 55,000 yuan, he also carried out the staging and gave the amount to 7.5. Million. If you don't have a credit card card, Guangfa Credit Card can give priority to it because the initial amount will be high. Awesome Word brother! Guangfa looks like a good raise! Haha! Feeling pretty good
  • 16160
  • 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 the character! What is brought to you today is the violent violent increase. There is not much nonsense, directly above: In other words, the Guangfa DIY card, which was originally limited to 10,000 yuan, applied for this “value-added platinum card”, and the amount suddenly increased to 80,200, which is shocking! Today's protagonist is: Guangfashan Airlines value-added platinum card! For a brief explanation, some people may not understand why the mountain route is sent to Air China's companion mileage? Shandong Airlines is owned by Air China. This kind of mountain flight is big, the annual fee is 2,500, don't back down, don't open the card and don't charge the annual fee. In fact, the annual fee is not afraid, the equity is very good, and I can definitely get back. Air mileage is 7:1, birthday month is double points, plus 5% mileage, oil is still quite large, but I know that everyone is not concerned about this. What you care about the most is the amount. Platinum cards with a rigid annual fee will be relatively high. This is also a well-known reason. This mountain is also the same as the white card, with a basic credit card of 30,000. Suggested strategy: After applying for the mountain flight, you can get the card, then congratulations. The key point is: don't open the card, directly add a new annual fee-free card, after the card is removed, the quota is the amount of the mountain flight. Suitable for people with a wide distribution card below 3w, especially those who do not raise the amount for a long time, or the 3K Party and the 1W Party. According to the forum users, the recent approval of the card is more than 50,000. Can't help it, Shen Hao, if you are pregnant, haha!

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