Guangfa Bank does have some pitfalls. For example, the general repayment grace period of other credit cards is 3 days, but Guangfa Bank is more pitiful. It only has one day. And, it’s only once a year. If you forget to repay due to some circumstances, you must call to apply. If you miss, you will incur penalty interest, and the issuing bank's tolerance is not 10 yuan, but 9.99, and it cannot be higher than 10 yuan.