Consult us for some questions about the GF card

I think the GF card is very easy to use, there are many activities, and the problem of lz is very easy to solve Hit a**95508 to manual**Manual method, I just tried it) first press 1 to select Mandarin, and then choose 0 to transfer what other services, and then it seems that I want to enter the card number, I directly press 0 to go to the manual.

Then tell Miss that if you want to cancel the card, Miss OK may say that there are activities and other things that you want to continue to use, you have to adhere to the principle of canceling the card, and say that you want to cancel the card, and it is generally no problem

But there is a special situation of lz that the card may not have been opened, but the problem is not big, and the lady grinds more to say that you are helpless to do the card, not to send a ruthless card is no problem This is also the experience of one of our colleagues

Just cancel it directly, Guangfa's card is not suitable for our China's national conditions, it is very uncomfortable to use, and it is easy to owe it fees, very troublesome card, there have been many people who have reported this situation.

Check the service here** (national customer service line 95508):

There is also a lesson from the past:

There are many possibilities for this situation to contact the card issuer when you contact the credit card issuing bank

1. The POS machine of the credit card merchant does not have the function of swiping the credit card, which leads to this situation.

2. The amount of a single credit card transaction exceeds the upper limit of your credit card.

3. Your credit card has not been activated by the bank after receiving it, resulting in the credit card cannot be used normally.

4. Due to the demagnetization of the card, the credit card information cannot be swiped, resulting in the inability to use it normally.

5. Transactions that are not supported by the card issuer, in this case, some bank cards do not recognize the card reader on the UnionPay POS machine or have not signed a payment and settlement agreement with UnionPay.

How to activate your credit card:

1.Call the 24-hour customer service** shown on the back of your credit card and enter the cardholder's card number and enquiry password;

2.According to the voice prompt, select the credit card to activate, and then the activation can be successful.

3.First, log in to the online banking page of the credit card of the issuing bank and enter the cardholder's card number and password.

4.Found"Credit card activation"page, enter the verification information such as reservation ** according to the prompts on the page, and the credit card can be successfully activated after the authentication is passed.

5.Go to the counter of the bank branch to activate the credit card, and the bank branch can directly follow the instructions of the counter staff to activate the credit card.

Comparatively speaking, commercial banks are a little easier to handle than the credit cards of the four major state-owned banks in China. The credit cards of each bank have their own characteristics and procedures, and the credit cards of China Merchants Bank, Bank of Communications, China CITIC Bank, Guangfa Bank and other banks are easier to handle than the four major banks.

According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to various media that record the relevant information of the cardholder's account, have the functions of bank credit line and overdraft, and provide relevant banking services for the cardholder.

Extended information: 1. China Merchants Bank credit card.

The best credit card to apply for in China Merchants Bank is the Young Card, which is a credit card product tailored for young people. Fresh graduates can apply for small white-collar workers, and college students over the age of 18 can also apply if they have a regular internship contract.

Friends who have used China Merchants Bank credit cards know that the service of China Merchants Bank is very good, and it is the best service among all banks. Moreover, China Merchants Bank supports the WeChat quota test, once the test is passed, the amount can be raised quickly, simply and quickly, which is so powerful.

2. Bank of Communications credit card.

It is often recommended to apply for the Y-POWER card of the Bank of Communications, which has a cash withdrawal limit of up to 100%, no annual fee is required for the first year, and the annual fee for the next year can be waived by swiping the card 6 times, which is very powerful.

The usual activities are also super powerful, such as the annual must-have event: the most popular week.

5. Super Red Week.

Fifth, brush every week. In addition, the Bank of Communications supports card application, although the risk control is stricter, but the difficulty of getting a card is not as difficult as everyone says.

<>3. Ping An Bank credit card.

Ping An Bank has also been expanding rapidly recently, supporting insurance policies. The preferential activities of Ping An Bank credit card are not outstanding compared to China Merchants Bank and Pudong Development Bank. However, Ping An Bank's car owner card is very powerful for car owners, because there are many fuel discounts.

4. China CITIC Bank Credit Card.

It is recommended to apply through the Internet, the efficiency is quite powerful, and it will generally receive a text message from the bank within 24 hours. Reviewing the documents is very simple, as long as you provide a copy of your ID card. However, as for the amount raised, it is very difficult.

CITIC's credit card has more powerful activities from time to time, and in recent years, the "9 points exchange" activity has obviously gained a good reputation, but because of the adjustment of the strategy, everyone has complained about it. However, I still have to recommend its i Platinum Card and JD White Bar Card.

5. China Guangfa Bank credit card.

Guangfa is known as the iron rooster, mainly because it is difficult to raise the amount, but there are still a lot of preferential activities. The best credit card for China Guangfa Bank is undoubtedly GF True Love Credit Card. As long as you are a female customer and can provide stable proof of income and personal information, there is no obstacle to applying for this card.

6. China Everbright Bank Credit Card.

It's easy to get off the card, the limit is high, and you can apply for a limit adjustment in half a year, which is generally 1 times at a time. The best thing is that there are many points activities, and often several times the points are sent, and online transactions are also counted as points.

In fact, now, as long as your credit qualification is good enough, you can apply for a credit card at any bank, repay the loan in time, use the card reasonably, and the amount will be rubbed down.

If you had only submitted the application form through the local marketing system a few days ago, it should not have been so fast. When inquiring, you can ask a manual to help you check whether the application submitted by the mall recently has entered the head office review system, and it is generally recommended that you wait at least 2 weeks after submitting it to see it.

The information needs to be submitted to the head office after the branch summary (according to the work requirements of the marketer should visit the company to exist, whether I exist, you can also understand through the side), after the preliminary review, review, final review before the result, after the head office audit department receives the information, it may not necessarily hit my ** credit, it may be to hit the company ** left on your information, hometown **, it will also be compared with the information you submitted online before, the front and side information will be compared, and the other is compared with the credit information of the People's Bank of China, Some applications will be rejected at the preliminary examination stage, and there may be a risk that the system will be rejected by the system at the time of reexamination. Because it involves whether the applicant cooperates and whether the information is confirmed smoothly or not, the review time is long and short. The review time of the head office is controlled within 7 working days.

Hope it helps.

In addition, the main attention to applying for a credit card is whether you have a local household registration, what is your income level, whether there is a certificate of fixed assets to provide, whether you have a high degree of education, including a college degree or above, whether the company ** and residential ** are valid (the company ** must be able to confirm the person, such as your colleague pick-up, you must know that there is a person, if the colleague does not know, or deny you, then you will be no play, the same is true for the hometown**), whether there is a hometown household registration**, whether there is a bad record of people, Rent with ease is an easy place to be rejected.

The reasons for receiving a text message from China Guangfa Bank for some reason may be as follows:

One is that it may be a scam text message;

The second is that someone has your ID card and has applied for a credit card or bank card.

Third, it may be that someone who used your mobile phone number before has applied for and used a credit card or bank card.

It is advisable to contact your bank to determine if you have the relevant card and the status of the card.

So what we need to do to prevent credit card fraud is:

1.Apply for a credit card through a formal channel.

2.Keep your bank card and ID separate to avoid losing them at the same time.

3.Don't tell others key card information such as dynamic verification code, bank card number, expiration date, and three-digit verification code at the end of the signature column on the back of the card.

4.When operating at an ATM, be wary of extra cameras, swipe slots, or suspicious stickers.

5.When swiping the card to make purchases, keep the card in your line of sight to prevent it from being dropped or stealing the magnetic stripe information during the transaction.

Extended Material: Solutions to Personal Information Theft:

1.Replacement. After the personal information is leaked, it should be changed as soon as possible.

If you don't change the information after it is leaked, all kinds of information that will be logged under it will flow out in a steady stream. Therefore, as soon as the source of the leak is discovered, it is necessary to immediately terminate the use of this and cut off the source of the leak from the source.

2.Change important passwords. Once personal information is leaked, it involves a wide range of aspects.

Especially for those who like to shop online, personal information is often associated with important information such as banks and passwords. Therefore, once personal information is leaked, you should immediately change important passwords to avoid financial losses.

3.Report. If personal information is leaked, you should report it to the police.

The purpose of reporting a case is to protect one's own rights and interests, and the other is to file a record. Once more people are in a situation similar to yours, you can deal with it together. This not only protects your privacy, but also avoids more financial losses.

4.Indict. If important personal information is lost, and you know how it was lost or there are many clues, then you can consult a professional lawyer about the relevant laws and regulations.

When I was 10 years old, I was 30 years old and I didn't want to go to work to start a business? But there is nothing, no resources, no connections, it doesn't matter, the point is no money. I was fooled by the card-handling scalpers on the street (these guys were either guarding outside the self-service bank, or placed on the table at the entrance of the supermarket, and saw them being enthusiastic citizens from time to time, doing a small favor or something, thinking that people were very good and quite affinity), and did 3 CITIC, GF and Bank of Communications cards, GF had the fastest amount of 10,000, CITIC followed by 8,000, and the slowest of the Bank of Communications was only 2,000.

With this money, I rented a slightly larger house, which doubled as an office.

However, due to the fact that he went to work for himself as soon as he patted his head, there was no planning and a certain amount of accumulation, and the road to entrepreneurship was destined to be bumpy and difficult, and there were no results.

The purpose of applying for a card is to use money urgently, and I am not a card slave, and I do not have the mind to use a card to raise a card. As a result, several credit cards were not repaid, and they were still overdue. Before and after about half a year, 3 cards were bad, and the late fees exceeded the principal.

I learned that the overdue interest of 5/10,000 per month is not terrible, but the terrible thing is the overdue handling fee, late fees, all kinds of collections, and threats.

Those days were the darkest days of my life. I am still ashamed of my family contact for writing about my dad and harassing my hometown police station and my dad.

At that time, I went back to work with a monthly salary of 3-4,000, which was only enough to repay part of the interest, and the principal of the Bank of Communications was less than that to be paid off at one time.

After another two or three months, the other two cards paid various late fees, and the interest accumulated to the principal amount. But all kinds of reminders are still overwhelming, and there is no discussion to pay off the principal immediately, but fortunately, my father had a homestead circulation fund at hand at that time, so he helped me repay the principal of two cards, one 10,000, and one more than 6,000.

After this incident, I got to know the "credit card" thoroughly. Probably if you borrow 10,000, you will have to repay 20,000 yuan in the year before and after, and the profiteering is 100% stronger, and all Alipay, all kinds of ** annualized 3, are weak.

Why are credit cards performing so well? In a word, on the fertile soil of China's imperfect credit environment, it relies on the strength of the store to bully customers and perfect solicitation, pursues the chain of interests, and devours the hard-earned money of the people at the bottom of the society who accidentally fall into the pit.

May I ask the card issuers, will I still apply for GF, CITIC, and Bank of Communications cards, or will I deposit money in your bank? Now I only have an ICBC credit card with a limit of 5,000 at hand, and I can pay for Shenzhou Car Rental in advance, how to get the money out, how to pay it back, no annual fee, I don't have to worry about it.

I also just got a credit card from GF, and my real feeling is that the experience is too poor, and I don't have one. When handling the good diamond card to get the hand into the true card, ask the staff just keep saying that the banking system problem can't be helped, saying that it is going to wait for more than 1 month and then upgrade, so this means that anyway, what is the urgency of the upgrade, the banking system problem we can't help, so there is a problem to a system problem can not be done on the line, the customer should have enjoyed the right to be in the card due to the consequences of being postponed due to the reason of Guangfa, why let the customer pay. The whole process of applying for a card and the feedback on this matter are quite disappointing to me, and the experience is too poor.

The majority of which card issuance, is every 6 months you can call customer service ** to apply for adjustment, the standard of the adjustment is generally not more than 2 times your original amount, depending on your card situation, you brush more repayment records are good, the relative increase amount is high, you can adjust the amount immediately, you want to apply for a gold card platinum card, I personally think it is not significant, first of all, there is not much difference between gold card and general card, the annual fee of gold card is a little higher, and the annual fee of Guangfa's platinum card is higher, And the annual fee of the platinum card can be returned to you if it meets certain conditions, that is, no matter how you swipe the card, you have to pay a certain annual fee, of course, the platinum card is mainly to push the service, I think the average person does not use it much, it depends on whether you are specifically targeting the car, or some aspects of aviation discounts.

Even if your gold card is platinum, the amount is either the same, or it will not be too high, the celery imitation code is certain, then if you have 2 Guangfa cards, it is also a common quota, for example, your general card 15000, platinum 20000, then your 2 cards are up to 20,000, you have brushed the platinum limit, and the general card can not be used.