How to apply for a GuangDa Bank credit card and what information is needed
GuangDa Bank credit card application processing conditions
I. Application conditions
1. Individuals who have full capacity for civil behavior, have a legal and stable source of income and good creditworthiness can apply for a personal card to the card issuer with their own valid identification documents and relevant information. card issuer to apply for a personal card.
Individuals applying for credit cards can apply for no more than two supplementary cards for other natural persons with full civil capacity, in addition to one main card. The principal cardholder can apply for canceling the supplementary card or stop the use of the supplementary card at any time.
Subsidiary cardholders and principal cardholders*** use the same credit limit; all transaction payments and corresponding interest and fees of the subsidiary card are credited to the principal card account, and the principal cardholder is fully liable for the debts incurred under the principal card and the subsidiary card; subsidiary cardholders with full capacity for civil behavior and the principal cardholder are jointly and severally liable for the debts incurred under the principal card and the subsidiary card; and those with limited capacity for civil behavior are jointly and severally liable for the debts incurred under the principal card and the subsidiary card; and those with limited capacity for civil behavior are jointly and severally liable for the debts incurred under the principal card and the subsidiary card. The supplementary cardholder with limited capacity for civil behavior shall only be liable for the debts incurred by the supplementary card held by him/her. The supplementary cardholder may apply for cancellation of the supplementary card after settling all debts under the supplementary card.
Second, the application for credit cards need to submit the information
1, identification information: resident identity card or a copy of the officer's license; Hong Kong and Macao compatriots to provide a copy of the Mainland Travel Permit and a copy of the certificate of residence for more than one year; foreigners to provide a passport and a copy of the certificate of residence for more than one year can be.
2. Information on work and income proof: proof of salary, copy of social security (paid for more than half a year).
3, GFB credit card application supporting information: academic qualifications, titles, professional qualifications, own real estate license, own car license, the last three months of the current place of residence of the telephone, water, electricity, gas bills of any of the original documents, and so on.
The 3 best value introductory platinum cards for novice credit card players!
Old friends of the card playing family know that in the field of credit cards, the name "silk three white" is widely spread.
Playing cards can be divided into two main streams, one of which is the quota stream, and the other is the rights stream (including various VIP rights and points rights). It seems that the number of people who are purely of a certain school of thought is not very large, and most of them are both. But no matter what school of thought, all of them are pursuing platinum cards, because platinum cards are the only ones that can have high limits and good additional benefits.
For newcomers to the card-playing pit, here are a few entry-level platinum cards.
One, the Bank of Communications Youyi Platinum Card
This is a new platinum card launched by the Bank of Communications in 2018, which has quickly gained a large number of customers. Because it is positioned as the "first credit card for young people", the threshold for application is relatively low, and the number of cards issued exceeded 2 million in 8 months, which shows how popular this card is.
The Bank of Communications UE Platinum Credit Card is issued under the "UnionPay MasterCard" model, which means that the UnionPay card focuses on domestic consumption, while MasterCard focuses on overseas consumption. The annual fee is waived for the first year for the UnionPay card and for the second year for six swipes, while the MasterCard version is waived for life, so the cost of holding the card is close to zero.
Key benefits: Overseas airport lounge service, provided by Dragon Travel, can be 3 points/year.
Points acquisition and use:
Consumption of 1 yuan = 1 point, Netpay supports Alipay and WeChat to accumulate points;
Consumption at designated dining and entertainment merchants on your birthday enjoys 5 times the points, with a maximum of 100,000 points capped on the same day;
2 times the points for US dollar consumption, and 3 times the points for consumption outside the country;
Overseas offline on overseas super-red days Spending up to 20 times the amount of points on the same day, capped at 100,000 points, and capped at 500,000 points for specified destinations;
CBI points can be exchanged 18:1 for Air China, China Eastern Airlines, China Southern Airlines, Hainan Airlines, and Asia Miles, with a starting point of 500 kilometers/miles, i.e., a minimum of 9,000 points are required.
Bank of Communications also has many promotions, the most famous of which are the Reddest Friday and the annual large-scale credit card event Weekly Brush. Among them, the reddest Friday activities are Starbucks full of 60 back to 30 swipe gold, the whole family full of 30 back to 15 swipe gold, food and beverage coupons, gas supermarkets 5% off, and other offers.
In addition, the UE Platinum Card also has a Kindle edition and a Magic City edition. Among them, the Magic City version of the UE Platinum Card can enjoy 1 cent to ride the subway (the first year of a new account) or long-term 50% discount to do the subway discount (Shanghai only).
For 8 designated purchases in a month, you will get 1 reddest 5-points entitlement; for 15 designated purchases in a month, you will get 2 reddest 5-points entitlements. You can redeem 5 points for 15 RMB Alipay/WeChat Card Gold; or 2x points for the month, up to a maximum of 20,000 points, which will be credited by the end of the following month.
Second, GuangDa Bank ZhenShang Platinum Card
GuangDa ZhenShang Platinum Card is affectionately called "high-speed rail white" by veteran drivers because this card focuses on high-speed rail station VIP lounge rights.
The Zhenshang Platinum Card is a basic platinum card in the GF credit card system, with an annual fee of RMB 480/year, and the annual fee for the first year will be waived if you make 3 strokes of RMB 188 or more in a single stroke within 90 days of card approval, and the annual fee for the next year will be waived if you make 12 swipes on a rolling basis.
The main benefit is the high-speed rail lounge benefit. The high-speed rail lounges of Zhenshangbai can be divided into two categories, one is the VIP lounge titled by Guangfa (now it is cooperating with Yuetou Travel), and the other is the VIP lounge provided by Longteng.
At present, the high-speed rail stations covered by the high-speed rail lounges titled by GF are: Shanghai Hongqiao Station, Guangzhou South Station, Shenyang North Station, Dalian North Station, Ningbo Station, Shenzhen North Station, Changsha South Station, Hangzhou East Station, Beijing South Station, Wuhan Station, Harbin West Station, Zhengzhou Station, Chengdu East Station, Nanjing South Station, Tianjin Station, Suzhou Station, Fuzhou Station, Wuxi East Station, Jinan West Station, Chongqing North Station, Xi'an North Station and Kunming South Station. The picture below shows the VIP lounges in high-speed rail stations (Zhengzhou East Station on the left and Wuhan Station on the right), which are titled by GF.
There are also some high-speed rail stations that do not have GF's title lounge, but you can use GF's complimentary Dragon Card to enter the high-speed rail lounge provided by Dragon Travel according to the actual situation of the high-speed rail station. For example, in Nanchang West Station, it is the VIP lounge provided by Right Dragon Travel. Zhenshangbai allotted Dragon Card, the annual gift of 2 Dragon Points, can be four times the high-speed rail lounge.
Points acquisition and use: swipe card consumption 1 yuan = 1 point, net payment has points (WeChat, Alipay, Jingdong, UnionPay); birthday month consumption double points; business travel category or overseas consumption 3 times points.
Guangfa Zhenshangbai can be exchanged 25:1 for Air China, China Eastern, China Southern and Asia Miles, starting from 500 kilometers/miles, i.e., a minimum of 12,500 points is required, with a cap of 30,000 miles/year.
Three, Societe Generale Airline Platinum Card Elite Edition
Societe Generale's credit card, the most well-known may be the rigid annual fee of 900 yuan of the line card Platinum Card Yo series, referred to as the "line Yo white". But because of the rigid annual fee of 900 yuan / year, as the first to play the card pit friends, may be deterred. But today, the protagonist is not him, but her - Societe Generale co-branded card Platinum Card Elite.
Industrial Bank's Platinum Card (Elite Edition) will waive the first annual fee of 500 yuan if you spend 2,000 yuan within 60 days of card verification, and will waive the next year's annual fee if you brush up to 30,000 yuan of points-counting transactions. So the cost of ownership is also near zero.
Points accrued from card spending are automatically converted to airline miles according to the ratio. Take the China Southern Airlines Co-branded Platinum Card Elite as an example, the points will be automatically converted and credited to the China Southern Airlines account at the rate of 12 points = 1 China Southern Airlines mileage in the same month. If you choose the China Eastern Airlines Co-branded Platinum Card Elite, you will be automatically credited to your China Eastern Airlines account at the rate of 10 points = 1 China Eastern Airlines mileage.
According to the current policy, the annual accumulation limit is 600,000 points, or 50,000 China Southern Airlines miles/60,000 China Eastern Airlines cap.
Card benefits: Platinum Elite also has 2 airport VIP services per year, for personal use only. Platinum Card Elite can automatically become a Supreme Gold Card member and enjoy one day free daily rental for any car model, limited to one time in a year; after successful settlement of the car rental, you can get one RMB 100 e-coupon (limited to one in a year).
Warm reminder: Societe Generale aviation co-branded card category in the jewelry category merchants (5094) and household appliances category merchants (5722) consumption, is not points, that is, can not accumulate miles. So, if you are buying jewelry for your wife or buying electrical appliances for your home, don't swipe the Societe Generale Airline Co-branded Card!
While these three platinum cards have slightly less benefits than the previously recommended big platinum cards, they are better in that the threshold for processing is much lower, and the cost of ownership is almost zero. This is also the reason why I wrote this short article, which is mainly for those who are new to playing cards, to introduce some platinum cards that have certain practical benefits and can be held at low thresholds and zero cost. From their own needs, apply for a credit card that suits them, and use the additional benefits to improve the quality of life in a small way, which is also the original purpose of playing cards, isn't it?
What about the GFB credit card?
The credit cards of GFB are classified into three grades, i.e., Plain Card, Gold Card and Platinum Card, and depending on which card the applicant applies for, the amount of credit he or she can get will be different as well. Generally, the credit limit of the general card is between 1,000 and 10,000 yuan, that of the gold card is between 10,000 and 50,000 yuan, and that of the platinum card is more than 50,000 yuan. Guangfa Bank credit card can enjoy the longest interest-free period of 56 days, double points for spending in the month of the cardholder's birthday, and a 20% discount on gift redemption.
:
1, Guangfa Bank is a state-owned enterprise or a private enterprise
Guangfa Bank is a joint-stock bank, not a state-owned enterprise or a private enterprise, the shareholders are CITIGROUPINC., IBMCREDITLLC, CITIC Trust and Investment Company Limited, the State Grid Corporation, Shenzhen Tongqian Investment Company Limited, etc., was founded on July 08, 1988, the registered office is located in Guangzhou City, Yuexiu District, East Dongfeng Road, No. 713, once known as Guangdong Development Bank Co.
2, Guangfa Bank card annual fee is how much ah?
The annual fee for a GF Bank card depends on the type and level of the card. There is no annual fee for a GFB savings card, and a small account management fee is charged when the average daily balance is less than 500 yuan. GFB credit cards have an annual fee, of which the annual fee for a general card is 40 yuan for the main card and 30 yuan for the supplementary card; the annual fee for a gold card is 80 yuan for the main card and 48 yuan for the supplementary card. In addition to this, the first annual fee is waived for the opening of the gold card and the general card, and the annual fee for the next year is waived for the card if you make six purchases on the card each year.
3, GFB card is frozen how to lift
①Three consecutive wrong withdrawal password, the person with their own bank card, ID card to the GFB business hall for thawing can be.
②Banking system failure, bring your ID card and bank card to the business office to thaw or telephone customer service.
3 ③ third-party causes, legal case handling needs, some special circumstances need to freeze the bank card, etc., need to wait for the end of the case to thaw.
4 ④ a long time did not use the bank card, resulting in counter business is frozen, also need to hold a valid ID card and bank card to go to the counter.
4, GFB business hours
GFB specific business hours are:
①Monday to Friday: 9:00 a.m. to 18:00 p.m., for personal and public business;
②Weekends and holidays: 09:00 a.m. to 16:00 p.m., for personal business, can not be for the public business.
5, GFB credit card repayment grace period a few days
GFB credit card repayment grace period of up to three days, that is to say, GFB credit card bank as long as the credit card payment due date within three days after the repayment date, will be regarded as repayment on schedule, will not be treated as a late treatment, will not be counted into the central bank credit system, will not cause their own bad credit record.
This is the end of the introduction of Nanchang Guangfa credit card and Nanchang Guangfa credit card address, I do not know if you find the information you need from it?