reliable. According to the inquiry of Xicai. com, the caller ID is the normal official telephone number of the bank, so it is credible, which is the daily work of bank loan business personnel. Guangfa Credit Card is the first domestic standard credit card issued by Guangfa Bank in 1995, and it is also the first credit card to realize profit. The credit line of the card is preset according to international standards, and it is used for overdraft consumption and cash withdrawal transactions without pre-deposit.