The validity period of credit card points of Guangfa Bank is the same as that of the card. After the credit card points of gold card customers expire, they will be credited to the new card account with a 30% discount. After the credit card points of ordinary card customers expire, they will be cleared automatically.

Since March of 20 1 1, all newly issued credit cards (except debit cards and short-term cards) have been changed to five-year validity, while the validity of credit cards (except debit cards and short-term cards) issued before this period remains unchanged for three years, and will be changed to five-year validity when updating, replacing and reporting the weightlessness system.

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Credit card points of Guangfa Bank is a value-added service launched by the Credit Card Center of Guangfa Bank to give back to credit card holders. All credit card holders of China Guangfa Bank can accumulate points by signing an account with a valid card or borrowing money in advance. Credit card points of Guangfa Bank can be used for redemption of points gifts, gift certificates, air miles, related services and points consumption.