There are many types of credit cards and many preferential activities in Guangfa Bank. There are also many outlets, which are well worth applying for. For card friends, it is best to choose a credit card that is easier to handle if you want to handle the card smoothly. Today, I will give you an inventory of three Guangfa credit cards with low threshold and premium rights. Interested friends can consider starting.
Which credit card is easier to apply for in Guangfa?
1, Guangfa Zhenqing Credit Card
The classic of Guangfa Credit Card, the first female-themed credit card in China, is of high value and there are many card versions to choose from. It can provide multiple points for self-selected businesses, discounts for many big-name businesses, and free and high health insurance for women, which is irresistible to every woman who likes shopping.
The important thing is that the threshold for handling cards is low. As long as women have a stable job and income, they can basically apply for a card. But if you want to choose a good card level, you can choose a gold card, a strong economic strength, or a big card from other banks. You can try a platinum card.
2. Guangfa Owner Credit Card
Guangfa Bank's exclusive credit card tailored for car owners can provide rich car owners' services. When new households activate their cards, they will be presented with ETC labels, and after refueling, they will enjoy a 20% discount on tolls or a maximum cash back of 15%. You can also enjoy 100 km road rescue service and high accident insurance for free.
This is also an easy-to-apply GDB card. You have a car under your name, meet the age requirements, have a stable job and income, and you can pass it quickly through online approval. It's basically no problem to take off the card.
3. Guangfa Sharp Credit Card
One of the few credit cards in China that can be cashed back by pen can be used in department stores, supermarkets and restaurants. The maximum cash back is 1% every day and 5% on Friday, which is suitable for daily household consumption expenses and can save some money more or less.
The threshold is also relatively low, but only new customers can apply for card cashback. Old customers cannot apply unless they cancel all GDB cards under their names and apply for cards one year later.
The difference between credit card gold card and ordinary card of Guangfa Bank.
The differences include:
1, the gold card is a symbol of identity;
2. The minimum amount of a general gold card is 1 1,000 yuan (except for Guangfa Hope Card and Guangfa Seven-Day Joint Card), and the minimum amount of a general card is 1 1,000 yuan;
3. Gold card points will be 30% off when they expire, and Puka points will be cleared when they expire.
4. The limit of ordinary card is 1000-50000, the limit of gold card is 10000- 100000, the limit of platinum card is 20000-50000-100000-500000, and there is no unlimited card.
Extended data
Introduction to Basic Information of Guangfa Bank Card
Annual fee of standard credit card gold card of China Guangfa Bank: 260 yuan, interest-free period (longest): 56 days, interest-free period (shortest): 25 days, credit limit (highest): 6,543.8+0.5 million yuan, transaction method: ten passwords for signature, credit limit (lowest): 6,543.8+0.0 million yuan, and points policy: 654.38.
Bank card application channel
1. Bring valid identification documents to the business outlets.
2. Apply online.
3. Guangfa marketing personnel.
Zero card loss risk
Take the lead in launching the service of "immediate effect of card loss reporting" in China, so as to minimize your risks and losses and ensure your interests more.
Reference source: Baidu Encyclopedia: Guangfa Bank
Is the credit card of Guangfa Bank really easy to use?
Personally, I think it's best not to use credit cards if possible. In fact, many small partners may not know about Guangfa Bank, because it was not defined as the domestic market at first. However, Guangfa Bank is the first bank in China to handle mortgage loans, the first bank to deposit and withdraw funds nationwide, the first bank with a credit card circulation of over 10 million, and the first bank with a profit of 10 million. However, his reputation in China is not very good, and it depends on his friends to find out the reasons themselves.
The overall development model of Guangfa Bank is quite good in China. Knowing that the small partners of Guangfa Bank should basically be old customers or have had loans before, the overall customer evaluation is very good. Unfortunately, however, fate played a big joke on Guangfa Bank. In about 2006, Citibank and China Life officially entered Guangfa Bank, and Citibank took over the day-to-day operation of Guangfa Bank, which triggered the+of state-owned and foreign capital.
Many small partners choose the credit card of Guangfa Bank because they can flexibly pay bills in installments, and because of this advantage, many people choose it. As we all know, it is not possible to repay the loan in one lump sum. If it can be divided into stages flexibly, it can greatly reduce the burden on our families or individuals, and at the same time improve the quality of life of individuals or families as a whole. But I personally suggest that it is best not to apply for a credit card.
Of course, the advantages of Guangfa Bank's credit card are not just what I personally said. After all, this is all I know. Perhaps the credit card of Guangfa Bank has other advantages, and this problem needs customers to explore slowly. In recent years, many friends who play credit cards have played very well. People who came into contact with credit cards in the early days have now realized the freedom of wealth.
The above questions are my personal thoughts. If you have other ideas, you can comment or discuss them below.
What is the difference between the standard gold card and the standard platinum card of Guangfa Credit Card?
First, the difference between the application conditions
Generally speaking, banks will issue gold cards to high-quality customers. In addition to meeting the basic requirements for applying for a credit card, people with an annual income of more than 400,000 yuan are more likely to get a gold card.
Platinum card is a credit card issued by card issuers to distinguish it from gold card customers, which provides higher-end services and rights than gold card. Usually, banks will take the initiative to invite qualified customers to apply for platinum cards, and platinum card customers can enjoy platinum customer service hotline service and distinguished value-added services. Generally speaking, the application standard of bank platinum credit card is mostly financial proof with annual salary of more than 6,543,800 yuan or more than 500,000 yuan.
Second, the difference of credit line.
Credit card limit refers to the maximum amount of credit card overdraft approved by the bank according to the cardholder's asset status and credit status. The higher the amount, the more money you can overdraw. Of course, the repayment pressure is also greater.
The amount of credit card gold card is generally between 6,543,800 yuan and 50,000 yuan; Platinum card is around 654.38+million, even as high as 500,000.
Third, the difference between annual fees.
The annual fee of credit card gold card will be lower than that of platinum card, and the preferential standard of annual fee exemption will be lower than that of platinum card. Moreover, many banks offer platinum cards, and there is no annual fee reduction.
Fourth, the difference between credit card rights and interests.
Because the level of the card is different, the credit card rights enjoyed are different. Generally, the platinum card of a credit card can enjoy a higher discount, and the gifts can be exchanged at preferential merchants, while the gold card can enjoy a lower discount, and the platinum card can enjoy many value-added services provided by the bank. For example: airport VIP room, free golf, banks do not have to wait in line.
Five, the difference between lost card protection
Lost card protection means that after the credit card is lost or++,the bank will freeze the credit card account to prevent the credit card from being stolen and compensate for the loss after the credit card is stolen. Different credit card grades have different protection for natural card loss. At present, ICBC, China Everbright, Shanghai Pudong Development Bank and other banks have no card loss protection services, while Bank of China, Agricultural Bank of China and other banks are only open to platinum card customers.
Extended data:
Guangfa Bank standard credit card gold card, the first standard credit card in China. Enjoy many functions and benefits, such as full loss reporting 48 hours ago, optional high insurance coverage, "Universal Bank" interest-free installment, overdraft points and so on, so that cardholders can spend more freely and manage their finances more easily.
Guangfa Credit Card Platinum Card generally means that Guangfa enjoys Platinum Credit Card and Guangfa enjoys Platinum Credit Card. It is specially designed for customers who pursue a higher quality of life. It has the functions of green medical Passage, Green Airport Passage, unified loss reporting service, giving away high travel accident insurance, and emergency taxi calling service. For high-end people with different needs, we specially designed a platinum card for golf, a platinum card for business travel and a platinum card for car owners.
References:
Guangfa Credit Card Gold Card-Baidu Encyclopedia Guangfa Credit Card Platinum Card-Baidu Encyclopedia
What does Guangfa Credit Card look like?
In our daily life, many people have the habit of using credit cards. When using credit cards, we can find that different banks have different requirements for credit card approval, and there are some differences in appearance. Because of this, many people will also consider the appearance of credit cards when handling them. So what is the credit card of Guangfa Bank?
There are many types of credit cards issued by each bank, and different types of credit cards are also very different in appearance. Because of this, it is impossible to judge what all credit cards look like by the form of a certain credit card. There are many credit cards on the website of Guangfa Bank, and we can choose according to our own preferences.
Although the existence of credit cards has brought us a lot of convenience, we still need to pay special attention to controlling ourselves when using credit cards. After all, using a credit card is an advanced consumption. If our spending power exceeds our affordability, it will easily affect our funds and bring us great pressure.
Only by paying enough attention to this problem and solving it properly can we better control our lives and our own funds. If we don't take these problems into account when using credit cards, it will easily lead to our debt being too high. In this case, it is easy to find that there is no way to repay the credit card arrears.
Now with this understanding, when you apply for a credit card, I also know how to choose. In addition, I also know what precautions need our special attention. Knowing this information can also bring us more help in using credit cards.
How many types of credit cards are there in Guangfa Bank? Do you have any friends who can talk about it in detail?
The main types of credit cards of Guangfa Bank and the characteristics of various credit cards;
(1) Guangdong Development Bank Vigorous Credit Card: The discount is mainly reflected in sports, and sports can be selected.
(2) Guangfa Bank Yintai Credit Card: This card is mainly for fashion elites and the rich.
(3) China Guangfa Bank Zhongjing Huitong Credit Card: 2% cash will be returned by swiping the card to refuel, and you can choose a car.
(4) Guangfa Bank Taobao Credit Card: The functions of "credit card consumption return" and "continuous installment return" are relatively common.
(5) China Guangfa Bank Ctrip Credit Card: issued to meet the needs of business travelers.
(6) Smart Credit Card of Guangfa Bank: Discount on consumption return, something that girls like.
(7) China Eastern Airlines Credit Card of Guangfa Bank: Credit card spending can be automatically converted into China Eastern Airlines mileage, high aviation accident insurance and travel inconvenience insurance, full card loss 48 hours before loss reporting, and interest-free installment payment "everything", which should belong to the rich.
(8) China Unicom Credit Card of Guangfa Bank: Cardholders can enjoy interest-free and fee-free installment discount when purchasing Unicom products, such as iPhone.
(9) Guangfa 7-day co-branded credit card: jointly issued by Guangfa and 7-day hotel chain, and the discount is mainly reflected in the hotel.
(10) Guangdong Development Bank Shenzhen Airlines Zunpeng Credit Card: It has the functions of "mileage advance" and "associated account".
(1 1) Guangfa Bank QQ Credit Card: Guangfa QQ Car Card, mainly for private car owners.
(12) Guangfa Hope Credit Card: Charity.
(13) China Southern Airlines Pearl Credit Card of Guangfa Bank: It mainly provides aviation services and wealth management services, and can be considered if you fly more.
This is the end of the high-definition introduction of Guangfa credit card pictures and Guangfa credit card pictures. I wonder if you have found the information you need from them?