The reserve amount of Guangfa Bank is generally linked to everyone's credit card amount, and the financial foundation comprehensively evaluates the amount you can apply for. The general repayment is divided into 3-24 installments, and the handling fee is about 0.75%. To apply for the reserve fund of Guangfa Bank, two conditions need to be met. One is to hold a credit card of Guangfa Bank, because financial management funds are the business in the credit card. In addition, there are certain credit card consumption records.

In fact, the reserve fund of Guangfa Bank is the overdraft installment repayment business launched by Guangfa Bank's credit card, also known as "wealth management fund". We know that credit cards are generally only used for consumption, and there is a handling fee if you withdraw cash. Then the reserve fund of Guangfa Bank is that the bank can lend the user a sum of cash according to the user's credit limit. After cash lending, it will be automatically phased, and only a fixed amount will be paid in each phase.