In the case of Guangfa Credit Card, the main types of installments are: 1. Bill installment: refers to the current bill amount ≥ 500 yuan. From the day after the current bill date to the due date of repayment, the cardholder can pay for the current bill. If you apply for installment repayment (3/6/12/18/24 installments), the corresponding handling fee for each installment is only 0.88/0.7/0.7/0.72/0.72 of the transaction principal, and the annualized interest rate is: 15.77/14.26/15.16/ 15.79/15.80, it will be deducted period by period. The result, the amount that can be processed, and the rate are subject to the bank’s review. The amount that can be installed in installments shall not exceed 95% of the current bill and 80% of the consumption limit. For example: Apply for a bill installment amount of 10,000 yuan, 12 installments, the amount payable in each installment = 10,000/12 10,000*0.007=903.33 yuan. 2. Banking consumption installment: refers to cardholders who spend ≥100 yuan in a single transaction and can apply for installment repayment of principal and handling fees after consumption and before the current bill date (inclusive). You can freely choose 3/6/12/18/24 periods. The handling fee for each period is only 0.88/0.7/0.7/0.72/0.72 of the transaction principal. The annualized interest rate is: 15.77/14.26/15.16/15.79/15.80, period by period. Withholding, each period's handling rate, whether it can be successfully processed according to the corresponding period number and starting point amount shall be subject to the review results. For example: Apply for installment for a single purchase of 10,000 yuan, 18 installments, the amount payable in each installment = 10,000/18 10,000*0.0072=627.56 yuan. 3. Caizhi Fund: Caizhi Fund can be divided into ordinary Caizhi Fund and exclusive Caizhi Fund. Ordinary Caizhi Fund can be selected in 3/6/12/18/24 periods, and the corresponding handling fee for each period is 0.95 respectively. /0.75/0.75/0.75/0.75, the annualized interest rates are 17.02/15.27/16.22/16.42/16.43 respectively; the exclusive (large amount) wealth fund can be selected in 6/12/18/24/36 periods, corresponding to each period The handling fees are 0.8/0.7/0.7/0.7/0.75 respectively, and the annualized interest rates are 16.27/15.16/15.36/15.38/16.24 respectively. Handling fee for each period = approved amount * base handling rate for each period, and will be deducted from period to period. The handling rate for each period, whether it can be successfully processed according to the corresponding period number and starting point amount are subject to the review results, and the funds will only be used for designated consumption purposes. If you need to apply for the installment business of Guangfa Credit Card, please download and log in to the "Discover Wonderful" APP or follow and bind the "Guangfa Credit Card" WeChat official account.

(Response time: August 7, 2019. For the latest business changes, please refer to the official website of GF.)