Financial Wisdom Gold is a credit card installment product, and it is a credit card service for overdraft transfer and installment repayment provided by Guangfa Bank Credit Card Center for high-quality users. Therefore, only high-quality users of Guangfa Bank can apply for financial wisdom gold, and users can apply through the mobile app of Guangfa Bank. Guangfa Bank can deduct a sum of cash from the credit card by overdraft transfer, but the money can only be used for personal daily consumption.