How to increase the credit card limit of Guangfa Bank?

Guangfa credit card withdrawal can be applied in the following ways:

1, and found a wonderful application.

Log in to the "Discover Wonderful" APP and click "My → Common Tools → Quota Management" to apply for temporary and fixed quotas.

2. Online banking

After logging in to personal online banking, click "Credit card → quota management → quota adjustment application" and follow the prompts on the page.

3. WeChat official account

Pay attention to the official account of Guangfa Credit Card WeChat, and select "Adjust Amount" in the menu bar of "Handle Card-Use Card" to apply for withdrawal.

4. SMS

Use the reserved mobile phone to edit the last four digits of XTE+ card+expected increase amount or the last four digits of XLT+ card+expected increase amount, and send it to 95508 to apply for consumption amount or temporary consumption amount.

5. Customer service phone number

Dial 95508 directly to adjust the amount of eligibility application.

Cardholders should note that it usually takes 6 months to open an account for the first time and the card is in normal use, so you can apply in the future according to your own needs.

The main features of credit cards:

1. Credit card is one of the fastest-growing financial services today, and it is an electronic currency that can replace traditional cash circulation to a certain extent;

2. Credit card has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also obtain certain loans from card issuers by using credit cards;

Credit card is a high-tech product integrating financial business and computer technology.

4. Credit cards can reduce the use of cash and currency;

5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

6. Credit cards can simplify collection procedures and save social labor;

7. Credit cards can promote commodity sales and stimulate social demand.

Main types

According to the different card issuers, it can be divided into bank cards and non-bank cards.

Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or withdraw cash at any time at all branches of the issuing bank or places with ATMs.

Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are dedicated to shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment cards are credit cards issued by service industries such as airlines and travel companies, which are used for ticket purchase, dining, accommodation and entertainment.

According to different card issuers, it can be divided into corporate cards and personal cards.

Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal entities.

Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, science and technology workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for using the personal card.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary card. Ordinary cards are issued to cardholders with average economic strength, reputation and status, and their requirements are not high.

Gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are those with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.