Safe, Caizhijin is based on China Guangfa Bank and is a credit card service that complies with the "Supervision and Management Measures for Credit Card Business of Commercial Banks". It does not charge interest and only needs to repay the principal and handling fees in each period. Different holdings There may be differences in handling rates between cardholders, and the details are subject to the bank's final approval. Taking ordinary Caizhijin installment repayment according to the "bill month" as an example, the base fee is 0.75, and some cardholders enjoy discounts on the fee, which can be as low as 0.44. The above is determined based on the cardholder's card usage, credit status and the comprehensive service cost provided by the bank to the cardholder.