"Financial Wisdom Fund" is an overdraft transfer installment repayment service provided by Guangfa Bank within the comprehensive credit line of customers' credit card accounts according to the demand of customers' personalized repayment methods. For the approved customers, the bank will deduct a sum of cash from their credit cards by overdraft transfer and transfer it to the domestic bank savings account with the same name designated by the cardholder.
Customers can choose 3/6/12/18/24/36/48/60 (once a month) to repay the principal and the handling fee of 0.75% (customers with specified purposes can choose to repay the handling fee in one lump sum). (This product is only for customers specially selected by the bank. The application qualification, applicable amount, applicable period and handling fee rate of customers are determined by the bank, and only customers who have received an invitation message or letter can apply. )