2. Guangfa Credit Card is the first domestic standard credit card issued by Guangfa Bank 1995, and it is also the first profitable credit card. The credit limit of the card is preset according to international standards, which 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.
GDB Card always adheres to the service concept of "giving you more, seeing further for you", takes customer demand as the guide, and leads the credit card market in China with innovation and market segmentation. By June of 20 10, the number of cards issued exceeded 100000, forming a distinctive "wide card issuing model" with the simultaneous development of "quality" and "quantity", and becoming a well-known brand in the credit card field. Guangfa Card has successively won the honors of "Top Ten Most Trusted Bank Cards in the World/China", "UnionPay Standard Credit Card Market Development Award" and "Best Customer Service Award in Asia Pacific". At the end of 20 10, the credit balance of GDB card exceeded 30 billion yuan, and the profit growth rate exceeded 80%. Net profit leads the credit card industry, and the new NPL ratio is below 1%. The card's activity rate, average income and average profit are all ahead of the industry.
2. Minimum repayment: main card annual fee: Puka UnionPay card annual fee, 40 yuan Golden Card UnionPay card annual fee, 80 yuan.
Free annual fee policy: free annual fee in the first year, and free annual fee in the following year after swiping the card six times. The annual fee for MasterCard Titanium Card is charged to 480 yuan in the first year. From the first year, the annual fee for swiping the card can be 80,000 yuan, that is, the annual fee for the second half of the year is 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.