Credit card application conditions of Guangfa Bank
I. Application conditions
1. Individuals with full capacity for civil conduct, legally stable sources of income and good credit status can apply for personal cards from card issuers with their valid identity documents and related materials.
When applying for a credit card, an individual can apply for no more than two supplementary cards for other natural persons with full capacity for civil conduct, in addition to a main card. The main cardholder can apply for cancellation of the supplementary card or stop using the supplementary card at any time.
The supplementary cardholder and the main cardholder use the same credit line; All the transaction funds of the supplementary card and the corresponding interest and expenses are credited to the account of the main card, and the cardholder of the main card is fully liable for the debts incurred under the main card and the supplementary card; Supplementary card holders with full capacity for civil conduct and main card holders are jointly and severally liable for the debts incurred under the main card and supplementary card, while supplementary card holders with limited capacity for civil conduct are only liable for the debts incurred under the supplementary card they hold. The supplementary card holder may apply for cancellation of the supplementary card after paying off all debts of the supplementary card.
Second, the information needed to apply for a credit card.
1. Identity information: copy of resident ID card or military officer's card; Compatriots from Hong Kong and Macao are required to provide copies of travel permits to and from the mainland and residence certificates for more than one year; Foreigners can provide copies of passports and residence permits for more than one year.
2. Proof of work income: proof of salary and a copy of social security (paid for more than half a year).
3. Proof materials for the credit card application of Guangfa Bank: education background, professional title, professional qualification certificate, self-owned real estate license, self-owned car driving license, original proof of telephone, water, electricity and gas charges in the last three months of the current residence, etc.
3 platinum cards for beginners of credit cards!
Old friends who play cards know that in the field of credit cards, the name "Silk White" is widely circulated. Up to now, the application threshold of Pufa AE white and classic white in "Silk Three Whites" has been raised, especially Pufa AE white, which has increased sharply after "temperature upgrade" and is really far from "Silk".
Playing cards can be divided into two groups, one is quota flow, and the other is equity flow (including various VIP rights and integral rights). It's purely of some kind. It seems that there are not many people, most of them are. But no matter what genre, they all pursue platinum cards, because the amount of platinum cards can be high and the additional rights can be good.
This paper introduces several entry-level platinum cards for newcomers to Kakeng.
1. Bank of Communications Friendship Platinum Card
This is the new platinum card of Bank of Communications 20 18. Once launched, it was quickly sought after by our customers. Because it is positioned as "the first credit card for young people", the application threshold is relatively low, and the number of cards issued in 8 months after listing has exceeded 2 million, which shows how popular this card is.
Uniqlo Platinum Credit Card of Bank of Communications is issued in the form of "UnionPay MasterCard", that is, UnionPay card focuses on domestic consumption and MasterCard focuses on consumption abroad. UnionPay card is free of annual fee in the first year, and it is free of annual fee six times in the following year, while MasterCard version is free of annual fee for life, and the cost of card holding is almost zero.
Main rights and interests: VIP room service at overseas airports, provided by Longteng Tourism, can be 3 o'clock/year.
Overall acquisition and use:
Consumption 1 yuan = 1 points, online payment supports Alipay and WeChat cumulative points;
On the birthday, you can enjoy 5 times points when you spend at the designated catering and entertainment merchants, and the highest points on that day are capped at 65,438+10,000 points;
Dollar consumption 2 times points, consumption abroad 3 times points;
Overseas Super Red Day, you can get 20 times points on the highest day of overseas offline consumption, with an upper limit of 654.38+ million points and 500,000 points for designated destinations;
Bank of Communications points can be exchanged for miles of Air China, China Eastern Airlines, China Southern Airlines, Hainan Airlines and Asia 18: 1 1,500 km/mile, which means a minimum of 9,000 points is required.
There are also many preferential activities of Bank of Communications, the most famous of which are the most popular Fridays and the annual large-scale credit card activities. Among them, the most popular five-day activities include Starbucks returning 30 credit cards for 60 years, returning 30 credit cards for the whole family 15 credit cards, food and beverage vouchers, and a 5% reduction in gas supermarkets.
In addition, Uniqlo Platinum Card also has Kindle version and Magic Capital version. Among them, the Magic Capital Edition Youyi Platinum Card can enjoy 1 cent to take the subway (the first year of new residents) or 50% off the subway for a long time (Shanghai only).
Designated to buy 8 times in that month, and got 5 points for 1 time. The specified consumption reached 15 in the current month, and the most popular interest of 5 points was obtained twice. 5 points convertible 15 yuan Alipay/WeChat credit card; Or twice this month, the upper limit is 20 thousand, and it will be recorded before the end of the next month.
Two. Shang Zhen Platinum Card of China Guangfa Bank
Guangfa Shang Zhen Platinum Card is affectionately called "High Speed Rail White" by old drivers, because this card focuses on the rights and interests of high-speed railway station VIP Lounge.
Shang Zhen Platinum Card belongs to the basic version of the GDB credit card system, and the annual fee is 480 yuan/year. If you swipe your card three times within 90 days after verification, you will be exempted from the annual fee for the first year, and swiping your card 188 times will be exempted from the annual fee for the second year.
The main rights and interests are the rights and interests of the VIP room of the high-speed rail. High-speed rail VIP rooms can be divided into two categories, one is the VIP room named by Guangfa (now cooperating with Yuetu Tourism), and the other is the VIP room provided by Longteng.
At present, the high-speed rail VIP rooms named by Guangfa cover high-speed railway station: shanghai hongqiao railway station, Guangzhou South Railway Station, Shenyang North Railway Station, Dalian North Railway Station, Ningbo Railway Station, Shenzhen North Railway Station, Changsha South Railway Station, hangzhou east railway station, Beijing South Railway Station, Wuhan Railway Station, Harbin West Railway Station, Zhengzhou Railway Station, Chengdu East Railway Station, Nanjing South Railway Station, tianjin railway station, Suzhou Railway Station, Fuzhou Railway Station, Wuxi East Railway Station, Jinan West Railway Station, Chongqing North Railway Station, xi 'an North Railway Station and Kunming South Railway Station. The following picture shows the high-speed railway station VIP room named after Guangfa.
In some high-speed railway station, there is no lounge named by Guangfa at present, but according to the actual situation in high-speed railway station, you can use the Longteng card presented by Guangfa to enter the high-speed rail lounge provided by Longteng Travel. For example, Nanchang West Railway Station is the VIP room provided by You Longteng. The Longteng Card distributed by Zhenshangbai, with 2 Longteng points per year, can be used four times in the VIP room of the high-speed rail.
Acquisition and use of points: credit card consumption 1 yuan = 1 points, online payment with points (WeChat, Alipay, JD.COM, UnionPay); Spend double points in the birthday month; Business trip or consumption abroad 3 times points.
Guangfa Zhenshangbaike can redeem the mileage of Air China, China Eastern Airlines, China Southern Airlines and asia miles at 25: 1, with a minimum of 12500 points and a maximum of 30,000 miles per year.
Three. Industrial Bank Aviation Platinum Card Elite Edition
The most famous credit card of Industrial Bank is probably the Platinum Card Series of 900 yuan Bank Card, which has a rigid annual fee, referred to as "Bank Card". However, due to the rigid annual fee of 900 yuan/year, as a friend who is new to the card pit, he may be discouraged. But today, the protagonist is not him, but her-Platinum Card Elite Edition of Industrial Aviation Co-branded Card.
Industrial Bank Platinum Card (Elite Edition) will spend over 2,000 yuan within 60 days after checking the card, and 500 yuan will be exempted from the annual fee for the first year. If it is over 30,000 yuan, it will be exempted from the annual fee for the next year to calculate the transaction amount of points. So the cost of holding is almost zero.
The accumulated points of credit card consumption will be automatically converted into corresponding air miles in proportion. Take China Southern Co-branded Platinum Card Elite Edition as an example. In the current month, it will be automatically transferred to the account of China Southern Airlines according to the ratio of 12 points = 1 China Southern Airlines mileage. If you choose China Eastern Co-branded Platinum Card Elite Edition, it will be automatically converted into China Eastern Airlines account according to the ratio of 10 points = 1 China Eastern Airlines mileage.
According to the current policy, the annual cumulative limit is 600,000 points, that is, 50,000 miles of China Southern Airlines/60,000 miles of China Eastern Airlines.
Card welfare: Platinum Card Elite Edition also has VIP service at the airport twice a year for personal use only. Platinum Card Elite Edition can automatically become a member of the Supreme Gold Card, and can enjoy a one-day rental discount for any model, and enjoy 1 time throughout the year; After the car rental settlement is successful, you will get an electronic coupon of 100 yuan (one for the whole year).
Warm reminder: Industrial Bank's aviation co-branded cards are consumed by jewelry merchants (5094) and household appliances merchants (5722), which does not count as points, that is, mileage cannot be accumulated. Therefore, when buying jewelry for your wife or adding home appliances, please don't brush the industrial aviation co-branded card!
Although the rights and interests of these three platinum cards are slightly worse than those of the big platinum card recommended before, the advantage is that the processing threshold is lower and the holding cost is almost zero. This is also the original intention of writing this short article, mainly to introduce some platinum cards that have certain practical rights and interests and can be held at low threshold and zero cost to friends who have just entered the card pit. From their own needs, apply for a suitable credit card, make good use of additional rights and interests, and slightly improve their quality of life. This is also the original intention of playing cards, right?
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.
This concludes the introduction of Nanchang Guangfa Credit Card and address of Nanchang Guangfa Credit Card. I wonder if you found the information you need from it?