Guangfa Bank stipulates that there are cash installments, but it only transfers the credit card amount to the designated debit card, and charges a certain percentage of handling fee according to the time when the funds are used. At present, the "financial intelligence fund" is launched to realize the cash installment of credit cards. The amount applied for financial intelligence business will be transferred to the current savings account of a domestic bank in my name from RMB 2,000, and the handling fee will be deducted from the cardholder's credit card, that is, each transaction of the bank is 10 yuan and each transaction is 20 yuan. According to this method, it can be divided into 6 stages, 12 stage, 18 stage and 24 stages, and the treatment rate of each stage is 0.75%. Based on this calculation, it is worthwhile to pay 9% of the treatment rate every year.

1. If you choose to share the handling fee on a monthly basis, the repayment amount of Caizhi Fund in each period = application principal/number of periods+handling fee in each period, and the cardholder can repay on time according to the bill. If one-time repayment is selected, the first repayment amount = application principal/installment times+amount approved by Party A × handling fee rate; Monthly repayment amount after that = applied principal/number of installments. Each billing cycle will show the repayment amount, and you can repay on time according to the bill.

2. How do you charge for the withdrawal of credit cards from Guangfa Bank? The credit card withdrawal of Guangfa Bank depends on the type of credit card you use and the withdrawal location. At present, the handling fee for withdrawing RMB and dual-currency cards in China by using Guangfa Bank credit card is 2.5% of the withdrawal amount; The minimum fee is 10 yuan/transaction, and the handling fee for USD card and HKD card is charged at 2.5% of the cash withdrawal amount. For cash withdrawal in RMB outside China Guangfa Bank, the service fee is 3% of the cash withdrawal amount, the minimum 15 yuan/transaction, 3% of the cash withdrawal amount in US dollar card, the minimum $3/transaction, 3% of the cash withdrawal amount in Hong Kong dollar card, the minimum $40/transaction and 3% of the cash withdrawal amount in dual currency card, the minimum 15 yuan/transaction or $3/transaction.

3.CGB credit card withdrawal cannot be repaid in installments. Credit card withdrawal is called "cash overdraft". The amount of cash that can be borrowed in advance is one-third of the total credit line, and the total amount plus the total amount of account opening shall not exceed your credit line. Some banks also limit the amount of cash borrowed in advance every day; Some domestic banks are limited to 50% credit line; Within a limited amount, you can get cash quickly without any guarantee; Cash borrowed by credit card has no interest-free repayment period, and interest will accrue from the date of withdrawal; The interest rate of cash in advance is very high, with a daily interest rate of 5/ 10000. The handling fee is high. The handling fee is generally above 1%, which is charged at one time.

4. The installment is not supported for the overdraft withdrawal of Guangfa Credit Card. If you need to apply for cash installment, you can log in to "Discover Wonderful app5.0 Home → Cash"/"Discover Wonderful app4.0 Home → I want cash" to apply. The handling fee rate of each period and whether it can be successfully handled according to the corresponding number of periods and the initial amount shall be subject to the audit results, and the funds can only be used for the specified consumption purposes.

5. Can 5.CGB withdraw cash in stages? CGB credit card withdrawals cannot be repaid in installments. Credit card withdrawal is called "cash overdraft". Note: The following transaction types cannot apply for installment payment. Cash withdrawal transactions, installment transactions and various expenses (including revolving credit interest, annual fees, cost overruns, late fees and other credit card fees); Non-general commodity consumption transactions, including but not limited to transfer transactions, gold transactions and hotel pre-authorization transactions; Dispute transaction; Foreign currency account transactions and funds for applying for foreign exchange purchase;