Advantages and disadvantages of Guangfa Credit Card

Advantages:

1, free of annual fee in the first year, and free of annual fee in the second year after brushing for six times;

2. The overpayment will be recovered free of charge;

3. Only 3 yuan is needed to make up the statement;

4. Send a copy of the insurance;

5. There is a discount for getting a card.

Disadvantages:

1, the SMS service fee needs 3 yuan;

2. The loss reporting fee is high in 85 yuan;

3. Less exports

Advantages: the first real credit card in China; The application procedure is quick, and there is no need for guarantor and reserve fund; After half a year, it can be 100% extracted; 56 days long interest-free period; There is a 48-hour card loss guarantee; Support AliPay; Real-time notification of consumption through SMS.

Disadvantages: there is no 800 or 400 telephone service, and the customer service telephone number is set by local branches; Less outlets;

Summary: suitable for friends who like to withdraw cash in full and stage at a low starting point.