Consumption interest and liquidated damages will be deducted for delayed repayment of Guangfa Credit Card. You can protect your rights in the following ways:

1. Understand the credit card contract: Read the credit card contract in detail to understand the terms of delayed repayment. Relevant terms and regulations, as well as calculation methods and standards for consumer interest and liquidated damages. This way you can clarify your rights and responsibilities.

2. Check bill and payment records: Carefully check credit card bills and your own payment records to ensure that delayed repayment has indeed resulted in consumer interest and liquidated damages. If you find errors or unreasonable deductions, you can provide corresponding evidence.

3. Contact the bank: Contact the customer service department of Guangfa Credit Card and submit your objections and rights protection requirements to them. You can communicate by phone, email or online customer service, and keep good communication records. Explain the situation clearly and provide corresponding supporting materials.

To summarize, to defend your rights against interest and liquidated damages deducted for delayed repayment of Guangfa Credit Card, you can first understand the relevant provisions of the credit card contract, then check the bill and payment records, and finally contact the bank and raise objections. This can improve the efficiency and success rate of rights protection.

Extended information:

According to the "Contract Law of the People's Republic of China" and the "Civil Procedure Law of the People's Republic of China" and other relevant legal provisions, credit card holders When a person delays repayment, the bank has the right to charge consumption interest and liquidated damages. However, if the bank does not clearly agree on the amount of interest and liquidated damages for deferred repayment in the contract, or if the relevant agreement violates laws and regulations, the cardholder may safeguard his rights in accordance with the law.

According to relevant regulations, banks should provide clear calculation basis and calculation standards to cardholders when collecting consumption interest and liquidated damages. If the bank fails to fulfill this obligation, or the cardholder believes that the amount charged by the bank is unreasonable, the cardholder can request the bank to provide corresponding explanations and basis, and raise reasonable and legal objections.

If communication with the bank fails to solve the problem, the cardholder can also complain to the relevant regulatory authorities or seek help from consumer rights protection organizations. During the rights protection process, cardholders can keep relevant evidence and communication records in order to provide evidence when necessary.

Please note that the above are only general suggestions, and specific rights protection methods may vary depending on personal circumstances and case characteristics. Before safeguarding your rights, it is recommended to consult a professional or legal advisor to conduct a comprehensive assessment of the specific situation and seek appropriate legal advice.