How does Guangfa Credit Card exceed the limit?

Overlimit (line) is a hidden line set up by some banks to facilitate users to spend their credit cards. The central bank stipulates that the over-limit amount must be less than 10% of the total amount. The over-limit fee of Guangfa Credit Card refers to the amount that the cardholder should pay to Guangfa Bank in accordance with the regulations when the account is over-limit and the excess part is not repaid on the day when the account is over-limit (that is, the accounting date of the card-issuing bank transaction).

When the total amount owed by the customer's account (including but not limited to the principal, interest and expenses of all credit card overdraft transactions) exceeds the credit limit, the bank will charge the customer 5% of the excess amount according to the billing cycle, and there are minimum and maximum charges for the excess amount.

In addition, Guangfa Credit Card can overdraw 10% on the basis of a given credit limit, but the excess will be paid by 5%. That is to say: over-limit fee = (actual usage line-bank credit line) X5%.

Guangfa Credit Card is the first domestic standard credit card issued by Guangfa Bank 1995, and it is also the first credit card to achieve profitability. The credit limit of the card is preset according to international standards, and it is used for overdraft consumption and cash withdrawal transactions without pre-deposit.

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 you can choose the minimum repayment amount, enjoy revolving credit, and manage your finances more freely.

Minimum repayment amount

Main card annual fee: Puka UnionPay card annual fee, 40 yuan Gold Card UnionPay card annual fee and 80 yuan annual fee.

Annual fee-free policy: annual fee-free in the first year, and annual fee-free in the following year if you swipe your card six times. The annual fee of MasterCard Titanium Card is charged according to 480 yuan in the first year. From the first year, the annual credit card consumption reaches 80,000 yuan, and the annual fee for the following six months can be exempted.

Cash advance limit: 50% of the credit limit.

Interest-free period: 20 to 50 days.

Consumption verification method: signature+password.

Revolving credit interest (daily interest): 0.05% interest is charged every day, with a minimum charge of 1 yuan.

Consumption SMS notification fee: 300 yuan and above are free, and SMS notification function is required in 300 yuan and below. The fee is 3 yuan per month.

Interest-free installment payment

Guangfa Card provides you with high-quality products at affordable prices, and provides customers with interest-free installment payment of up to 12 months. A few thousand yuan of products can be enjoyed by paying only a few hundred yuan a month, so that your dream can be realized as soon as possible.

IM

In order to ensure the safety of funds, you can enjoy free SMS reminder for every transaction in 300 yuan, keep abreast of account changes, and feel more at ease with your card. If you need SMS reminder service for all transactions, just dial 95508 to open it, and the cost is only 3 yuan every month.

Instant messaging messages will be sent through port 95508 (mobile/telecom users) or 10655020288 (Unicom users). The message is that the last four digits of your card, xxxx, will spend xxxx RMB on XX, XX, XX. Please pay attention.

Banks provide customers with credit card protection, and customers do not have to bear the loss of credit card theft within 48 hours before reporting the loss, and the amount of protection is as high as the full amount of credit!

service

Set up a 24-hour service hotline 95508 or +(86)20-873 10029 to provide GDB customers with faster and more caring services. Online services include: GDB card business introduction, bill inquiry, customer preferential information, GDB card opening, credit line adjustment, online instant loss reporting, data modification, integral gift exchange, etc. Customers' various card needs for GDB cards can be properly handled by simply calling.

Convenient business travel service

Just dial the GDB card free business travel service hotline 400-6 19-98 19, and you can book the air ticket hotel first, as well as the free ticket delivery service.