Charge. Guangfa foreign currency credit card charges an annual fee. For example, Guangfa Foreign Currency International Credit Card, the annual fee of the main card is 100 yuan (15 US dollars), and the annual fee of the auxiliary card 50 yuan is 7.5 US dollars. The annual fee for handling Guangfa foreign currency international credit card is free in the first year, and the annual fee for the next year is free if the credit card is spent for three times or all the main cards under its name are spent for 15 times or more.
Definition of credit card:
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
According to the different circulation scope of credit cards, they can be divided into the following categories:
1, international card
International card is a kind of credit card that can be used outside the issuing country and is universal. MasterCard, VISACard, AmericanExpressCard, JCBCard and DinersClubCard issued by five overseas groups (MasterCard, Visa International, American Express Card and DinersClubCard) are mostly international cards.
2. Regional card
Regional card is a kind of credit card that can only be used in the country or region where the issuing bank is located. Most credit cards issued by commercial banks in China belong to regional cards.
Brief introduction of Guangfa Bank:
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. On April 8, 20 1 1, with the approval of the regulatory authorities and relevant government departments, the original registered name of Guangdong Development Bank Co., Ltd. was changed to "Guangfa Bank Co., Ltd.".
How to repay consumption abroad with Guangfa Bank Credit Card?
Many card friends will choose to travel abroad during the holidays, and it is inevitable that they will use Guangfa credit card to spend money during the trip, but they will face a repayment problem after spending. Because I am abroad, naturally I can't have many choices as I do at home. Then, after using Guangfa Credit Card in consumption abroad, how should I repay it?
According to the regulations of domestic banks, if a credit card is spent in foreign currency abroad, it must be converted into equivalent foreign currency after returning home to repay the loan. If you spend directly in RMB abroad, you only need to think that the arrears are domestic RMB and repay them directly.
However, whether it is spent in foreign currency or RMB, the quickest way to repay is through online channels. The specific repayment method is as follows:
1, online banking/mobile banking:
This repayment method not only supports RMB repayment, but also supports US dollar repayment, and the arrival time varies according to different repayment methods:
1 If the repayment is made by Guangfa Debit Card, the repayment will be made before 22 o'clock, and it will be received on the same day; Arrive the next day after 22 o'clock;
2 In case of inter-bank repayment by UnionPay, the repayment will be received before 22: 00 the next day, and the acceptance will be suspended from 22: 00 to 24: 00.
2.GDB card WeChat service number:
This repayment method not only supports RMB repayment, but also supports US dollar repayment, and the arrival time varies according to different repayment methods:
1 If the repayment is made by Guangfa Debit Card, the repayment will be made before 22 o'clock, and it will be received on the same day; Arrive the next day after 22 o'clock;
2 In case of inter-bank repayment by UnionPay, the repayment will be received before 22: 00 the next day, and the acceptance will be suspended from 22: 00 to 24: 00.
3. Alipay:
Alipay only supports RMB repayment. If it is before 2 1, it will arrive the same day, otherwise it will arrive the next day.
4. WeChat wallet:
WeChat wallet only supports RMB repayment, and the repayment time is 14, and the repayment is made before 14, and it will arrive on the same day; /kloc-Repay after 0/4 o'clock, and receive the account the next day.
5. UnionPay Online:
UnionPay Online only supports RMB repayment, and the repayment will be made before 23 o'clock, and it will arrive in 1-3 working days.
The handling fee for overseas cash withdrawal of Guangfa Credit Card is suitable for most banks.
Many card friends can take their families out to play this summer vacation. Some people may have gone to Hong Kong, Macao and Taiwan, or even other countries. So how do you charge for cash withdrawal by credit card abroad? Today, I would like to introduce the overseas cash withdrawal fee of Guangfa Credit Card for your reference.
Credit card withdrawal can be divided into overdraft withdrawal and overpayment withdrawal. Take the existing differences at home. China Guangfa Bank does not charge any handling fee for domestic overpayment, but the charging standard is the same overseas.
Handling fee for overseas cash withdrawal of Guangfa Credit Card (including Hong Kong, Macao and Taiwan)
1) overseas (RMB card): 3% of the cash withdrawal amount, with a minimum of 15 yuan RMB per transaction;
2) Overseas (USD card): 3% of the cash withdrawal amount, with a minimum of USD 5 per transaction;
3) Overseas (HK$ card): 3% of the withdrawal amount, with a minimum of HK$ 40 each;
4) Overseas (dual-currency card): 3% of the cash withdrawal amount, with a minimum of RMB 15 yuan or USD 3 per transaction.
In addition, there is a certain limit on the overseas withdrawal of Guangfa Credit Card. In general UnionPay channel, the daily cash withdrawal limit is equivalent to RMB 1 000 yuan, and the same account of dual-currency card or multi-currency card cannot exceed the equivalent of USD 1 000 yuan the next day.
After using Guangfa Credit Card to withdraw cash from overseas, in addition to the handling fee, interest will be charged at the rate of five ten thousandths of the daily interest, with compound interest on a monthly basis until repayment.
Overseas cash withdrawal method of Guangfa Credit Card
Guangfa Credit Card can only withdraw money from ATMs with UnionPay logo, and dual-currency cards can also withdraw money from ATMs with Visa, MasterCard and other logos.
Guangfa Credit Card can also withdraw local currency or equivalent foreign currency at the bank counter marked with Visa and MasterCard with valid identity documents and credit cards.
Guangfa American Express can use visa.
You can brush.
Visa card of Guangfa Bank is a foreign currency international credit card, and American Express card of Guangfa Bank can be used.
Guangfa American Express Safari Credit Card, referred to as Safari Card, is an American Express brand credit card launched by Guangfa Bank in June 2020. Cardholders can enjoy the double courtesy provided by Guangfa Bank and American Express. For every 65,438+00 RMB spent in China or 65,438+0 yuan RMB spent in 70 yuan, consumption abroad, the card can be used to redeem air miles and other rights and interests.
What is Guangfa Foreign Currency International Card?
Guangfa Foreign Currency International Card is the foreign currency international credit card of Guangfa Bank. Guangfa foreign currency international card is a high-end credit card launched by Visa and MasterCard. The characteristics of Guangfa foreign currency international card are: enjoy travel privileges, including privileges and MasterCard privileges. Guangfa Bank is one of the earliest joint-stock commercial banks in China.
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee. The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.
A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph. Because the credit card application is approved by post, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened. Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements. At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card. After accepting a credit card, a credit card merchant or bank shall review the validity of the credit card and the identity of the cardholder. After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.
Can UnionPay's Guangfa Credit Card be used abroad?
No problem with credit cards, overseas consumption. Overseas, you can choose the card swiping machine corresponding to the card swiping route according to the credit card organization logo on the credit card (such as VISA, MASTERCARD, JCB, American Express, UnionPay), and you don't need to open the card swiping function. UnionPay line credit card is directly settled in RMB; If you swipe your card on an international line, it will be settled in US dollars.
Credit cards are divided into credit cards and quasi-credit cards, which provide settlement services, facilitate shopping and consumption, and enhance security; Simplify the collection procedure and save social labor; Promote commodity sales, social needs and other characteristics.
Credit card is a special card issued by banks or other financial institutions to people with good credit, which is used for shopping and spending at designated merchants or depositing and withdrawing cash at designated banking institutions. It is a special kind of credit certificate.
This is the end of the introduction and domestic use of Guangfa Overseas Credit Card. I wonder if you found the information you need from it?