How to increase the credit line of Guangfa Bank?

Guangfa Credit Card can withdraw money in the following ways:

1, found a wonderful APP.

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 WeChat WeChat, Guangfa Credit Card, and select "Adjust Amount" in the menu bar of "Do Card-Use Card" to apply for cash withdrawal.

4. SMS

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

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 they can apply according to their own needs in the future.

The main features of credit cards:

1. Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range.

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

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 the collection procedures and save social labor;

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

Main types

According to 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 they can withdraw cash at any time at the outlets of the issuing bank or at 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 specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

According to the different issuing banks, 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 person organizations.

Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological 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 its use.

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, credibility and status, and the 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 institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.