1. Unpaid by installment: The credit card of Guangfa Bank has been repaid by installment. As it has not been repaid by installment, it will be deducted after swiping, so the corresponding handling fee will still be deducted from the credit card account when swiping.

2. Temporary limit adjustment: If the temporary limit of the credit card has been adjusted, it will exceed the original limit when spending by swiping the card, resulting in deduction.