Caizhijin is a cash installment of Guangfa Credit Card, which is a credit card service for cardholders to repay by installments through overdraft transfer. Cardholders can apply to our bank for cash advance, and pay a certain handling fee for monthly installment repayment, that is, overdraft cash withdrawal installment repayment business. You can apply for 3 to 36 issues. If the application is successful, our bank will deduct a sum not exceeding its total credit line from its credit card by overdraft transfer and transfer it to its designated domestic bank settlement account with the same name.

Intellectual property can be divided into ordinary intellectual property and exclusive intellectual property. Ordinary financial intelligence funds can be divided into 3/6/ 12/ 18/24 periods, and the corresponding handling fee rate for each period is 0.95%/0.75%/0.75%, and the annualized interest rate is 65438. For exclusive (large) wealth management, you can choose 6/ 12/ 18/24/36 installments, and the corresponding handling fee rate of each installment is 0.8%/0.7%/0.75%, and the annualized interest rate is 16.27%/ etc. Handling fee per period = approved payment amount * benchmark handling fee rate per period, which will be deducted on schedule.

The handling fee rate of each period and whether it can be successfully handled according to the corresponding number of periods and the initial amount shall be subject to the audit results, and the funds can only be used for designated consumption purposes.

If you need to consult/handle the wealth management fund of Guangfa Credit Card, please download and log in to Discover Wonderful APP Home → "I want cash" or follow the official WeChat account bound by Guangfa Credit Card.

(reply time: 2065438+August 2009 14. Please refer to the latest business changes announced by Guangfa official website. )