Guangfa Bank launched a brand-new exclusive consumption installment service, saying that the unused amount can be refunded at any time, and only a handling fee of 2% of the refunded amount is charged. But you need to pay 2% of the principal refund fee, that is, 200 yuan, to enjoy the return service, which means you have to pay a fee, but it is much less than the full amount. And the time limit for refund is also limited. The unused amount can only be returned in installments within 12 months from the start of application to the end of order.