The reason why Guangfa Credit Card is not finished is that Guangfa Bank has set up various installment consumption privately, so after each repayment, as long as you use Guangfa Credit Card, it will be automatically phased, and Guangfa Bank will not inform the cardholders, so many cardholders have been repeating the cycle of repayment-consumption-installment. Unless Guangfa Credit Card is no longer used for consumption, the more they do it by stages, the more money they have.