Faguang credit card

How long will it take to get Guangfa Credit Card?

The credit card processing time of Guangfa Bank can be roughly divided into two situations:

1. It is the first time to apply for the credit card of Guangfa Bank.

Applicants who apply for the credit card of China Guangfa Bank for the first time will generally complete the examination in about two weeks if the materials are submitted completely, and the examination results will be notified to the applicants by SMS. After the card is approved, it will be delivered in about 3-5 working days. When sending the card, it will be sent by registered mail or express mail, and the registered letter or express code will also be sent by SMS.

Under normal circumstances, if it is the first time, it will be slower, because the audit is more troublesome.

2. Application of credit card holders of Guangfa Bank

If you already have a credit card of Guangfa Bank, but you just want to get another one from other CCB cards, it is relatively easy to apply. Generally, it takes about 5 working days to complete the audit, and then 3-5 working days to send the card.

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CreditCard (English: credit card), also known as credit card. It is a non-cash transaction payment method and a simple credit service. Credit card is generally a special carrier plastic card with consumer credit, which is 85.60mm long, 53.98mm wide and 1mm thick. It is issued by banks to individuals and units, so that they can shop, spend and deposit and withdraw cash from banks. The form is a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back. Credit cards are issued to cardholders by banks or credit card companies according to the credit and financial resources of users. Cardholders don't need to pay cash when using credit cards, they will make repayment on the bill date. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card issued by the bank, which gives the cardholder a certain credit limit, within which the cardholder can spend first and then repay. A quasi-credit card refers to a quasi-credit card issued by a bank. The cardholder deposits a certain amount of reserve fund according to the regulations. When the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

Refer to Baidu Encyclopedia Credit Card _ Baidu Encyclopedia

Is the credit card of Guangfa Bank good?

First of all, as the earliest credit card bank in China, Guangfa Bank has done a good job in special merchants, preferential strength and activity frequency, and has been recognized by users. Of course, in addition to these advantages, Guangfa Credit Card has the following points that deserve our praise:

(1) CGB's credit card billing date is very user-friendly. Guangfa's credit card billing date is the cardholder's birthday, which is easy to remember.

(2) CGB credit card customers can get double points when spending their cards in the birthday month, and customers can enjoy 8.8% discount when redeeming gifts in the birthday month. This setting is also very user-friendly, which is worth learning from other banks.

(3) Guangfa Credit Card can withdraw cash in full after half a year;

(4) Guangfa Credit Card has a long interest-free period of 56 days;

(5) The starting point of "Yangyang Tour" is low (as long as 500);

(6) There is a 48-hour card loss guarantee; Support AliPay.

The above six points are the most commendable points of Guangfa Credit Card, and the following are the shortcomings of Guangfa Credit Card:

(1) CGB's credit card zero interest rate is relatively high, which is the highest compared with other banks.

(2) Guangfa's credit card can only modify the cash overdraft password, but not the consumption password, which is prone to the phenomenon that the card is lost and stolen.

(3) Disadvantages: there are no 800400 telephones, and 95508 are set up by local branches; Less outlets.

Summary: Guangfa Credit Card is suitable for users who like to withdraw cash in full and installment at a low starting point.

Is there an annual fee for Guangfa Credit Card?

There is an annual fee for the credit card of Guangfa Bank.

However, the credit card of Guangfa Bank has an annual fee-free policy. Generally, cardholders can unconditionally reduce the annual fee in the first year of card opening, and in the second year, cardholders only need to swipe their cards six times to reduce the annual fee for the next year.

Moreover, the credit card of Guangfa Bank will not charge an annual fee if the card is not activated, and only after the cardholder successfully activates the credit card will the annual fee be charged.

The annual credit card fee of Guangfa Bank is as follows:

1. China guangfa bank credit card RMB Karp card annual fee RMB/year in 40 yuan and RMB/year in 30 yuan;

2. The annual fee of 2.CGB credit card RMB gold card is 80 yuan/year and 48 yuan/year.

3. The annual fee for the standard platinum card of CGB credit card RMB card is 2,500 yuan/year, and that for the secondary card 1500 yuan/year.

Guangfa Bank Credit Card is the first standard credit card in China. The credit limit of the card is preset according to international standards, which is used for overdraft consumption and cash withdrawal transactions without pre-deposit. The first is the standard card, which is aimed at the general public and has no specific directivity. True Love Card and Pearl Card are high-end credit cards specially set up to locate women in the new era. These credit cards will get certain discounts when buying some female consumer goods. The owner's card is aimed at private car owners, and they will enjoy more benefits in refueling and car maintenance. At the same time, Guangfa Bank has issued a business card with a credit card, which can be applied in some large-scale consumer places and hotels, and will enjoy a certain preferential amount in some hotel services and reservation business.

The interest-free period of overdraft consumption can be as long as 50 days. As long as you repay in full before the repayment due date stipulated by the bank, you can enjoy interest-free treatment from the trading day to the repayment due date. The repayment method is flexible, you can pay off in full or choose the minimum repayment amount.

Credit card type of Guangfa Bank:

1. Guangfa Zhihui Credit Card: a credit card for urban white-collar workers, which can be overdrawn for cash withdrawal.

2. Guangfa Duolijin Credit Card: There are various benefits and rights for eating, drinking and having fun, including Didi, Meituan, Starbucks, WeChat and Alipay cashback.

3. Guangfa Taobao Credit Card: a credit card launched by Guangfa Bank for young people.

4. Guangfa Shang Zhen Platinum Credit Card: Professionals design credit cards for customers who pursue a higher quality of life.

5. Guangfa owner's credit card: up to 36% cash back for refueling or 20% discount for high-speed tolls.

6. Guangfa Iqiyi Credit Card: Give Iqiyi Gold VIP members every month.

7.GDB enjoys the gold card: 500,000 accident insurance will be given when activated.

8. Guangfa True Love Credit Card: Female Credit Card.

9. Guangfa Didi Co-branded Card: Send 30 taxi tickets every year.

Is it easy to apply for a credit card of Guangfa Bank?

As a bank with the second gradient, Guangfa Credit Card is still liked by many card users. There are many popular cards, and the application threshold and rights are very good. However, the risk control of Guangfa Bank is still relatively strict. As long as the card is not in place, it will be vulnerable to risk reduction and there is a serious risk of card closure. Share the special skills of credit card application and withdrawal of Guangfa Bank, so that you can learn the correct way to play cards!

First, the card application skills

1. Credit information is very important for every bank. There is no overdue record within two years, and the number of inquiries in a month cannot exceed three times. If you have the above questions, you will have a great chance of being rejected. You need to integrate your personal information first, repair it with special credit information, and let the new record cover your bad record, so that you will not be rejected when you apply.

2. If you are a white household applying for the credit card of Guangfa Bank for the first time, although your credit history is not overdue, don't apply blindly. If you want to apply for a credit card with a credit limit of more than 20,000, pay attention to 1-3 months in Guangfa Bank, create an effective interest settlement process with a savings card, improve your comprehensive score in Guangfa Bank, and then apply for a card type. The general credit card limit will not be less than 30,000!

3. Guangfa's entry-level card is easy to batch in seconds. Generally speaking, as long as the "application materials" are filled in reasonably and the credit information is normal, online applications can basically be approved in seconds. However, it should be noted that if there is no attention in Guangfa, the number of blind applications for secondary approval will be very low. Therefore, it is recommended that you use "application materials filling skills and 45-day attention building skills" with good results.

Second, the amount of skills.

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2. Occasionally apply for installment payment. After spending by credit card, you can occasionally apply for credit card installment repayment business, and credit card installment business needs to pay installment fees, which will make banks make money and help increase the quota.

3. Strict risk control. Because Guangfa's rights and interests are relatively strong, it also leads to strict risk control. If your consumption is not standardized and there is tx risk, it will lead to direct reduction or restriction of consumption. If it is restricted, there are skills to remove it. Use continuous real consumption and special consumption.

4. If the personal qualifications of credit card holders have changed, they can directly bring relevant financial proof materials and provide relevant materials to the issuing bank's business outlets to apply for withdrawal. For example, cardholders can provide financial certificates such as real estate, vehicles and deposits. Bank outlets under their names, which helps to increase the quota.

What are the credit cards of Guangfa Bank? How much is the amount?

* * * Five categories:

Supreme elite-platinum card series. Such as: Guangfa Shang Zhen Platinum Credit Card, Guangfa Xiangzhen Platinum Credit Card, Guangfa Ctrip Platinum Credit Card and Guangfa China Eastern Platinum Credit Card;

Excellent business travel-business travel series. Such as: Guangfa Ctrip Credit Card, Guangfa China Southern Airlines Pearl Credit Card, Guangfa China Eastern Airlines Credit Card, Guangfa Shenzhen Airlines Zunpeng Credit Card, Phoenix Yin Zhiguo Airlines Guangfa Credit Card;

Car family card series. Such as: Guangfa Easy Car Co-branded Card, Guangfa Owner Credit Card, Guangfa Yuetong Card, Guangfa Youyoutong Credit Card and Guangfa Express Card;

Urban white collar-white collar series. Such as: Guangfa DIY Credit Card, Guangfa Vitality Credit Card, Guangfa Happy Credit Card, Guangfa Hope Credit Card and Guangfa Pet Credit Card;

Joint Credit Card _ Joint Series. Such as Guangfa Taobao Credit Card, Guangfa Ctrip Credit Card, Guangfa Vipshop Credit Card, Guangfa Ke Fan Credit Card and Guangfa Unicom Credit Card.

quota

The amount of credit card has little to do with the type of card, but mainly with the cardholder's economic ability and credit situation. At present, the credit card limit of Guangfa Bank generally ranges from 3,000 to 50,000 yuan. Generally, the credit card of Guangfa Bank is between 3000- 1 10,000, the credit card of Guangfa Bank is between 1 10,000-50,000, and the credit card of Guangfa Platinum is above 50,000.

According to the cardholder's income and credit standing, Guangfa Bank verifies the maximum amount that can be used for overdraft consumption and cash withdrawal, and the cardholder can recycle the card within the validity period.

Advantages and disadvantages of CGB credit card:

Advantages:

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

Pay more free of charge;

Only 3 yuan is needed to make up the statement;

Send a copy of the insurance;

There is a discount for handling cards.

Disadvantages:

SMS service fee requires 3 yuan;

The loss reporting fee is high in 85 yuan;

Less outlets.

How about the credit card of Guangfa Bank?

It's good. The credit cards of Guangfa Bank are divided into three grades: ordinary card, gold card and platinum card. Depending on the card that the applicant applies for, the amount that can be obtained is different. Generally, the amount of ordinary cards is between 1000- 10000 yuan, the amount of gold cards is between 654.38+0000-50000 yuan, and the amount of platinum cards is more than 50000 yuan. The longest interest-free period of Guangfa Bank's credit card is 56 days. Cardholders can get double points for spending in the birthday month and enjoy a 8.8% discount when redeeming gifts.

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1. Is Guangfa Bank a state-owned enterprise or a private enterprise?

Guangfa Bank is a joint-stock bank, not a state-owned enterprise or a private enterprise. Its shareholders include CITIGROUPINC, IBMCREDITLLC, CITIC Trust and Investment Co., Ltd., State Grid Corporation, Shenzhen Tonggan Investment Co., Ltd., etc. Founded on July 8, 1988,/kloc-0 was registered at No.713, Dongfeng East Road, Yuexiu District, Guangzhou, formerly known as Guangdong Development Bank Co., Ltd.

2. What is the annual fee of Guangfa Bank Card?

The annual fee of Guangfa Bank Card depends on the type and level of the card. There is no annual fee for the savings card of Guangfa Bank. If the average daily balance of the account is less than 500 yuan, a small account management fee will be charged. There is an annual fee for the credit card of Guangfa Bank, including the annual fee for the main card of Puka, 40 yuan, and the supplementary card, 30 yuan; The annual fee of the main gold card is 80 yuan, and the supplementary card is 48 yuan. In addition, the gold card and the Puka card are exempt from the annual fee in the first year, and the annual fee in the following year can be exempted by swiping the card six times a year.

3. How to lift the frozen Guangfa Bank Card?

① If you enter the wrong withdrawal password for three consecutive times, you can bring your bank card and ID card to the business hall of Guangfa Bank to unfreeze.

② If the banking system fails, bring your ID card and bank card to the business hall to unfreeze or call customer service.

(3) Due to third-party reasons, it is necessary to handle cases according to law, and bank cards need to be frozen in some special circumstances. Can't be thawed before the case is over.

④ Long-term non-use of bank cards led to the freezing of counter business. I also need to go to the counter with a valid ID card and bank card.

4. Business hours of Guangfa Bank

The specific business hours of Guangfa Bank are:

① Monday to Friday: 9:00 a.m. to 9: 00 p.m. 18:00 p.m., personal and corporate business can be handled;

② Weekends and holidays: 09: 00 a.m.-65438+06:00 p.m., personal business is allowed, but company business is not allowed.

5. How many days is the grace period for credit card repayment of Guangfa Bank?

The grace period for credit card repayment of Guangfa Bank is up to 3 days. In other words, as long as the credit card bank of Guangfa Bank repays the loan within the last three days of the due repayment date of the credit card, it will be regarded as repayment on schedule, and will not be regarded as overdue, nor will it be included in the central bank's credit information system, and will not cause its own bad credit record.

Let's not talk about the launch of Guangfa Credit Card.