The first annual fee of Guangfa Credit Card will be generated on the day when the new card is activated, and the payment period will be one year. It will be deducted from the cardholder's Guangfa Card account and will not be refunded. During the validity period of the card, the annual fee will be automatically deducted from the above account on a regular basis.

Cardholders can enjoy the credit card payment and revolving credit service provided by Guangfa Bank by paying the annual fee regularly, otherwise they will not be able to enjoy it.

if the cardholder needs to change the card type, the annual fee will be charged again according to the new card type standard, and the annual fee charged by the old card will not be refunded.