Credit card loans are available, but for small loans, it is generally recommended to apply within the credit card limit. After the application is successful, the bank will transfer the money directly to the domestic bank savings settlement provided by you. Account, you can directly withdraw it and use it, and then use your credit card to repay in installments. You need to pay a certain handling fee, which is equivalent to having an additional installment on your credit card. Which bank is your credit card from? Each bank is different. Let’s briefly talk about Guangfa’s. This business of Guangfa is called Caizhijin. As mentioned above, you can apply for it if you have a Guangfa credit card. The starting amount is two thousand yuan, and the amount is in multiples of one thousand yuan. It increases incrementally. Although it is recommended to apply within the quota range, there is actually no upper limit. That is to say, if your quota is 3,000, you can apply for 30,000, but it may not be approved. After the application is successful, the bank will contact you by phone to inform you. Regarding related matters, please pay attention to checking the remittance. The debit card provided must have the same ID number as your credit card, otherwise the remittance will not be received. If the debit card is a layman's, the remittance will arrive in 5 to 8 days, and it will cost 20 yuan at a time. If it is remittance from our bank, it takes 2-3 working days and costs 10 yuan each time. Then use a credit card to repay in installments, which can be divided into 3, 6, 12, 18, and 24 installments. Each month is one installment. The handling fee for each installment is 0.75 of the principal. It must be repaid in full before the repayment due date according to the current bill. There will be no interest or other charges when the money is credited. For example: the application amount is 4,000, 24 periods, the monthly principal repayment is -166.67, the monthly handling fee is 30 =196.67. Every bank has different rules, and the proportion of money collected is also different. This is only issued by Guangdong Bank of China.