I have never applied for a credit card of Guangfa Bank, but why did I receive such a short message? What should I do?

There are two possibilities, one is purely fraudulent SMS, and the other is that it is possible that your ID card information is fraudulently used to apply for a credit card. If your ID card has been lost and then reissued, this second possibility is very great.

Data expansion:

The credit card interest of Guangfa Bank is very high, and the algorithm is rolling compound interest. The total amount owed each month, unless it is fully paid off on time next month, remember, it is 1% paid off, otherwise the interest for this month will be charged according to the total amount owed.

there are two main reasons. First, the electronic bill sent by Guangfa has no details. In order to query the monthly repayment amount conveniently, many credit card users will bind their mailboxes and send electronic bills to their mailboxes. However, Guangfa's electronic bills have no details of consumption and repayment, but only a summary repayment amount. If you want to see the detailed credit card and repayment records, you must log in to find a wonderful APP to query, but most people are too lazy to log in to the credit card APP to query the bills, which leads to a steady stream of interest for years if you keep misreading the grace period. On the other hand, it is the most wonderful place of Guangfa Bank. It is your WeChat-bound credit card. Even if it is fully repaid on the second or third day after the grace period, it will prompt that the current bill has been paid off. It stands to reason that since the current bill has been paid off, why should we charge interest? The practice of guangfa is not very kind, and the interest is still charged.

How to cancel the credit card of Guangfa Bank:

Method 1: Users can bring their ID cards and credit cards to the outlets of Guangfa Bank for processing. Method 2: Call the customer service number of Guangfa Bank and transfer to manual service to cancel the card, and the customer service will verify the user information. When using the above two methods of card cancellation, it is necessary to pay attention to the fact that the credit card cannot be in arrears, and it is best to destroy the magnetic stripe of the card after card cancellation. If the credit card is overdue, don't rush to cancel it, because it is difficult to apply for a credit card after it is overdue. Guangfa Bank can apply for a new type of credit card after the cancellation of the credit card, which is not affected by the cancellation of the original credit card.