The "Yang Niang Xing" consumer installment business means that cardholders who use Guangfa Bank credit cards for a single purchase of more than 100 yuan (inclusive) can apply for the consumer installment business, and can choose to pay in 3 installments. The principal and handling fee can be repaid in installments of 6, 12, 18, 24, 30, 36, 48, 60 and other installments (each billing month is one installment). The specific installment selection range depends on the bank. The number of periods provided shall prevail, and the principal repayable and handling fee corresponding to each period will be deducted from the cardholder's Guangfa Bank credit card account. ?

The "Niang Niang Xing" automatic consumption installment payment service means that the cardholder applies for contract binding once, and does not need to apply for installment by phone (or through other methods) every time in the future. A single consumption that reaches the minimum contract amount can be automatically paid in installments according to the number of installments specified by the cardholder. The cardholder applies to bind the "Yangyanxing" automatic consumption installment business and it will be permanently valid. If the cardholder does not need this Service, you can cancel the binding at any time by calling 95508 (or through other methods announced by our bank). ?

The consumption installment amount refers to the one-time consumption amount incurred by cardholders using Guangfa Bank credit cards for goods or service transactions.

Extended information:

1. Cardholders can use various methods including but not limited to phone calls, Discover Wonderful APP, online banking, mobile banking, uplink SMS, SMS links, and official WeChat , Guangfa Online Banking payment gateway, 95508 self-service voice and other methods to apply for this service. The cardholder should carefully read all the terms of this business before applying. The cardholder's application is deemed to have accepted all the terms of this business. ?

2. This service is only available to bank credit card principal cardholders, and only holds US dollar single-currency cards, Hong Kong dollar single-currency cards, business cards, debit cards, special financial cards for repayment, Cardholders of cards specified by banks such as corporate cards, universal cards or supplementary cards are temporarily unable to apply, and the final result is subject to bank approval. ?

3. Transactions with special-shaped cards and supplementary cards can enjoy this service, but transactions with supplementary cards require the main cardholder to register and apply for the "Yangyangxing" consumption installment business. ?

4. The cardholder's qualifications to apply for this business are restricted by the bank's risk policy. Only cardholders who meet the bank's risk policy access conditions can apply for this business. Does the cardholder have the business application requirements? The qualifications are subject to bank confirmation. ?

5. Transactions registered for "Bianxianxing" consumption installments refer to general goods or service consumption transactions, excluding transactions such as cash withdrawals, gambling, gold buying and selling, and pay-to-pay transactions for which banks do not currently provide installment payment services. ?

6. Transactions that have been recorded in the bill are not allowed to register for the "Everything" consumption installment business. Cardholders should pay attention to making "Everything" purchases before the current bill date (inclusive) Installment requirements.

Usage, charging and repayment?

1. The cardholder successfully applies for installment payment. The available installments are 3, 6, 12 and 18 installments. , 24 issues, 30 issues, 36 issues, 48 ??issues, 60 issues, etc. Each billing month is one issue. The specific number of periods that cardholders can apply for is subject to bank approval. The principal to be repaid in each installment = the consumption installment amount applied for by the cardholder ÷ the number of installments. ?

2. The installment handling fee collection method for "Bianyanxing" consumption is divided into "monthly apportionment collection method according to the bill" and "one-time collection method". If the "monthly apportioned collection method according to the bill" is adopted, the handling fee apportioned per month per bill = the consumption installment amount applied by the cardholder × the handling fee rate for each period, and the handling fee rate is based on the cardholder's It depends on the qualification of the cardholder and the comprehensive service cost provided by our bank to the cardholder. The handling fee of the "monthly apportioned collection method according to the bill" will be included in the cardholder's monthly bill for each period; if the "one-time collection method" is adopted, the handling fee will be charged once The handling fee charged on a one-time basis = the consumption installment amount applied for by the cardholder × the handling fee rate for each installment × the number of installments. The handling fee for the "one-time collection method" will be included in the first monthly bill. The specific fee rate shall be confirmed by the cardholder through mobile terminals including but not limited to writing, phone calls, text messages, online banking confirmation, mobile banking, official WeChat, Discover Wonderful APP, etc. Make an agreement with the cardholder through self-service terminal confirmation and other methods. Once the installment fee for "Bianyanxing" consumption is collected, it will not be refunded.

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3. The cardholder can register this installment payment business for multiple transactions at the same time, but each transaction must be registered in full, and the installment payment has been processed for the cardholder (including but not limited to "all transactions"). Transactions such as "Consumption Installment Business and Mail Order Installment Business, etc." cannot be applied for repeatedly. ?

4. The customer understands and agrees that if the repayment amount in any period is overdue, the bank will follow the "Guangfa Bank Credit Card Regulations", "Guangfa Bank Credit Card Customer Agreement (Personal Card)", "Guangfa Bank Credit Card Customer Agreement (Personal Card)", Comprehensive Rate Table" as well as relevant laws and regulations, and relevant provisions of banking regulatory agencies to calculate and collect liquidated damages, revolving credit interest, etc. from cardholders. ?

5. After the cardholder successfully applies for the "Everything Bank" consumer installment payment service, he or she can choose to repay the bill in full or choose to pay the minimum repayment amount. If the cardholder fails to repay in full , then revolving credit interest or liquidated damages will occur. ?

6. The principal and handling fee repayable in each period are calculated accurately to the nearest digit, and the portion of the principal that cannot be divisible will be deducted in the last period. ?

7. The cardholder successfully applies for the "Yangyangxing" consumption installment business, and the bank will approve the installment based on the cardholder's card usage

Whether the amount occupies consumption limit, and notify the cardholder through one of the methods including but not limited to SMS, phone call, official WeChat, Discover Wonderful APP, statement, verbal or written, etc. Customers can contact the bank customer service hotline 95508, Discover Wonderful APP, etc. Channel queries the current available consumption quota. At the same time, during the installment repayment period, the bank has the right to release the installment repayment account occupied by the consumption limit in advance based on the customer's card use risks and other conditions. The bank can notify customers by text message, phone call, official WeChat, Discover Wonderful APP, statement, orally or in writing when adjusting the credit limit. Customers can check the current available consumption quota through customer service hotline 95508, Discovery and other channels. ?

8. If the cardholder swipes the card for consumption and registers the "Yangyangxing" consumption installment business when the card has its own deposits, the bank will, with the cardholder's permission, make payment according to the cardholder's The card usage status determines whether the installment amount occupies the cardholder's own deposit. For the installment amount that occupies the cardholder's own deposit, the installment fee will also be deducted according to the above fee calculation method. ?

9. If the cardholder still has excess money after paying the monthly bill amount, the deposit will be regarded as his own deposit and the repayment amount of the next installment will not be paid off in advance. ?

10. If the cardholder wants to pay off the outstanding installments in advance for the successfully processed "Bianxianxing" consumer installment business transaction, he must call 95508 or use other methods such as bank announcements or guidelines. After making an application, if cancellation or withdrawal is made, the cardholder agrees that the bank will treat the installment payment as early settlement. And the customer must pay off the unpaid installment amount in advance (including but not limited to the unpaid principal, unpaid installment repayment fees, liquidated damages, etc.) in one go. The specific procedures for deducting the unpaid installment repayment are The payment plan is based on the cardholder's confirmation with our bank through mobile terminals including but not limited to written, phone, SMS, online banking confirmation, mobile banking, official WeChat, Discover Wonderful APP or self-service terminals when applying for the "Yangyangxing" consumption installment business. The deduction plan agreed upon through confirmation and other methods shall prevail, and the cardholder shall deposit the full amount in the credit card. ?

11. If the cardholder needs to cancel the credit card used for this business during the repayment period, the outstanding installment amount of the "Yangxianxing" consumer installment business that has been successfully processed must be Pay off the entire amount at once before canceling the credit card. ?

12. Banks only provide financial services and are not sellers of designated products; they also have no agency or cooperative relationship with merchants and do not provide any guarantee to merchants. If any dispute arises due to, but is not limited to, the purchase and sale of goods, product quality, delivery, exchange, after-sales service or other related matters, the cardholder should negotiate with the merchant and has nothing to do with the bank. The cardholder shall not refuse to repay the bank installment due on the grounds of dispute. ?

13. If a refund occurs between the cardholder and the merchant, such as the return or exchange of goods, the cardholder is asked to call to cancel the installment payment. The cardholder clearly and explicitly agrees to the bank's decision to cancel the installment payment. It will be treated as early settlement, and the installment amount, handling fees, liquidated damages and other amounts will be repaid according to early settlement.

Reference: Baidu-Guangfa Bank