Zhicaijin repays the principal and handling fee at 0.75% for each installment. The monthly handling fee is 50,000 times 0.75%, which equals 375 yuan, and the total handling fee for 12 installment is 4,500 yuan.

Caizhijin's innovative wealth management product means that the main cardholder can apply for a certain amount of cash advance from Guangfa Bank after using Guangfa dual-currency or RMB single-currency credit card for more than 3 months.