If you repay the payment in full before the last payment date with your Guangfa Bank credit card, you will enjoy the interest-free period and do not need to pay interest. Cash withdrawals will be charged at a daily interest rate of 0.5%. If the payment is not made in full, then There will be interest, compounded monthly at 0.5% per day.

Credit card interest will be calculated at an interest rate of 0.05% per day starting from the recording date of the credit card consumption. Interest = consumption amount × interest rate × number of days.

In addition, credit cards have interest-free periods. As long as you can repay in full, you will be interest-free, which is equivalent to a free overdraft of the credit card.

Interest for Guangfa Bank credit cards is calculated at a daily interest rate of 0.05%.

If you have not applied for bill installment or consumption installment, as long as you can repay the loan in full before the repayment date, you will be interest-free.

Steps to apply for Guangfa Credit Card online:

1. Search the web page for Guangfa Bank Credit Card and click on the link to enter the official website.

2. Click "Credit Card" - "Credit Card Application" in the menu bar above and select the card type you want to apply for.

3. Fill in personal information, including name, ID card, mobile phone number, etc.

4. After confirming that the above information is correct, submit the application.