It's really rubbish Weibo English incident violated the rules, and the card information did not match the ID card information, which was approved. There is no approval process.
The King of Junk-Guangfa Credit Card ~ On the Junkiest Card in the Credit Card Industry
Guangfa Credit Card is booming on the Internet. Why is it hot? I made my own card and experienced it. After using it for a while, I want to say, Cao, how bad is this card?
Summarize a few points:
1, Guangfa Bank thinks it has great money and poor customer service attitude. It doesn't matter whether you do it or not. The key is that the 24-hour customer service is fake and has not been exposed to labor. Only when they come to contact you, whether the customer is God or they are God, it is conceivable that they are begging you on their knees. Very unhappy
2, the annual fee is as expensive as a dog, the annual fee is hundreds of thousands, or you deduct it without any hint when you activate the card. Somehow, you spent hundreds of dollars, but I didn't know it was stolen.
3. When checking the credit card for the second time, check the incoming call, because the number display prevents security problems. When answering the question, I said I didn't trust this number. Since the customer service directly said that you have this limit, don't do it if you don't feel at ease. You will get angry when you hear me.
4. The installment fee is the same as other fees. If you don't finish it, you might as well not use it.
As long as you get a card, you will be forced to spend it. If you don't spend it, it will also affect your credit. Sometimes you may even be prompted by the risk assessment that your credit card suddenly depreciates and is unstable. You may even suddenly reduce your hard-earned savings when you need it most.
6. There is a software called Discover Wonderful, which will contain some activities about installment discount or consumption discount. If you use it, congratulations on being cheated. You will find that there was a discount at that time, but the amount involved later is more expensive, and there will be a series of funds for you to pay back, which also reduces your credit limit.
I found some netizens' information online: this is Baidu's word of mouth.
Do you dare to spend your money around the curved box like this?
Without the support of users, such banks would have disappeared long ago. Now it has money, but it is thinking about how to frame our users' money. This banking country should have been regulated a long time ago.
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.
The credit card of Guangfa Bank is so ugly.
Guangfa Bank's credit card is black all its life.
I really can't compliment the credit card on the wide card and Aunt Kaka's face. The design is ugly and the quality is not good.
China guangfa bank was established in September 1988 with a registered capital of RMB114.08 million, and its headquarters is located at No.713, Dongfeng east road, Yuexiu district, Guangzhou, China. With the approval of the People's Bank of the State Council and China, Guangdong Development Bank, as a pilot bank for financial system reform in China, was established on the beautiful Pearl River and is one of the earliest joint-stock commercial banks in China.
The worst credit card ranking
Guangfa credit card is the most rubbish, and junk credit card is the fighter in the absolute top spot.
I have used credit cards from several banks, and ICBC is the worst! Don't be fooled by one of the four major lines! Everyone will know when they have used it! Decisively take the card. My account is industrial and commercial. The teller recommended a credit card, and the card was issued for 5000, which was useless. Then the card was cancelled. Later, the customer service called to tell me that there was an activity or something, and the result was rejected. I also checked the credit information twice, which was embarrassing. (China Merchants Bank 50,000, Agricultural Bank 65,438+10,000, never raising cards)
3. ICBC's mobile banking program is the most rubbish. After logging in for the second time, it will display the wrong password and it can't be used at all.
In addition to Bank of Communications, there are CCB, ABC and ICBC! Every time I feel that they are bullying customers with their actions! I have been waiting in line for a long time. It's my turn She went to eat. It has to be rearranged again! Service attitude is called a "good"! They are all ancestors! I'm full of anger when I mention it! The credit card of ABC is for civil servants only. In addition to having a car and a house, you have to have a formal job, which is the kind that can issue a work certificate. I work in a state-owned enterprise, but I was sent. People say I won't do it.
Not to mention, ICBC applied for their peony cards and sent me a set of five World Cup commemorative cards, five of which were deceptive! ! The limit is 1 gross! ! I complain about their customer service. I obviously applied for a peony card! As a result, the customer service said that the peony card had no card and gave a set of World Cup! ! You fucking signed it for me! 1 gross! All my other credit cards have a limit of 20 thousand! Who are you burying?
About the garbage of Guangfa Credit Card and why Guangfa Credit Card can't be used? This concludes our introduction. I wonder if you found the information you need from it?