hello! The financial fund of Guangfa Bank's credit card is what we call cash installment. If you want to use cash, it is more cost-effective. The interest rate is generally about .75% of the monthly handling fee. If you use a credit card to withdraw cash, you don't enjoy the interest-free period. You have to charge interest at five ten thousandths of a day, which is much higher than the cash installment. And if you want to shop and you can buy it by credit card, the installment interest rate of the bill is generally about .5-.7% depending on the term, which will be a little lower than that of the financial fund. You can choose according to your own needs.

I remind you that whether you spend money by credit card or by cash installment, you should consider whether the monthly repayment amount can be borne, so as to avoid overdue and affect your credit history.