China Guangfa Bank determines the maximum limit that can be used for overdraft consumption and cash withdrawal based on the cardholder’s income and credit status. Cardholders can recycle the card within the validity period of the card. At present, Guangfa Bank’s credit card limit generally ranges from 3,000-50,000 yuan;

The limit of Guangfa Bank’s regular credit card is generally between 3,000-10,000 yuan, and the limit of Guangfa Gold Card is 11,000-50,000 yuan. The maximum cash withdrawal limit of Guangfa Bank’s credit card can be Reach 100% of the actual limit;

The installment payment limit of Guangfa Bank credit card will occupy the credit card limit. For example, if your Guangfa Bank credit card limit is 10,000, and you apply for an installment of 5,000, the limit will be frozen and cannot be used. The credit card The credit limit is still 5,000 yuan;

Every time you repay an installment, the credit limit will be released for one installment. After the installment payment is completed, the credit card limit will be restored to 10,000 yuan;

How to repay Payment:

1. Direct deposit to the credit card from our bank’s ATM machine;

2. Bind the credit card and bank card to set up automatic repayment;

3 , ATM inter-bank transfer and repayment;

4. Online banking transfer and repayment or inter-bank transfer and repayment;

5. You can also transfer through WeChat wallet or Alipay (inter-bank transfer is free of charge ).

Credit card knowledge:

"Credit limit" refers to the maximum credit limit approved by the card issuer based on the applicant's credit status and used by the cardholder within the validity period of the card. After issuance, the card issuer can adjust the applicant's credit limit based on the customer's card usage such as transactions and repayments, changes in credit status, or risk information;

The card issuer decides whether to apply based on the applicant's credit status. Issuing a card, whether to require the applicant to provide guarantee and the method of guarantee, determining the method and type of card collection, approving the credit limit to the applicant, etc. After the card issuer accepts the applicant's application, regardless of whether the card is issued or not, the application form and related application materials are It will not be returned;

Applicants can provide guarantees in the following ways: guarantees, mortgages and pledges. A corresponding guarantee contract should be signed separately for the guarantee. The scope of guarantee is all the debts incurred by the cardholder under his credit card ( Including but not limited to the principal, interest and fees of overdrafts within the credit limit and overdrafts beyond the credit limit);

The card issuer sets up a designated currency account for the single currency card holder and verifies the credit of the currency account Limit, set up a RMB account and a designated foreign currency account for dual currency card holders, and determine the credit limits of the RMB account and foreign currency account respectively;

The cardholder exceeds the account credit limit approved by the card issuer, such as On the day when the account exceeds the limit (i.e., the day when the card issuer records the transaction amount), the excess portion shall be paid according to a certain proportion;

Because the cardholder temporarily increases the amount If the credit limit is exceeded due to failure to repay the debt before the credit limit expires, or if the credit limit is exceeded due to interest, fees and other reasons, it is an overuse of the credit limit.