Caizhijin is the cash installment of Guangfa Credit Card. The reserve fund is Caizhijin. It is a credit card service for overdraft transfer and installment repayment provided to cardholders. Cardholders can apply to our bank Borrow a sum of cash in advance and repay it in monthly installments by paying a certain handling fee, that is, overdraft cash withdrawal and installment repayment business. If the application is successful, our bank will deduct a sum of funds not exceeding the total credit limit from your credit card through overdraft transfer and transfer it to your designated domestic bank settlement account with the same name. Caizhi Fund can be divided into ordinary Caizhi Fund and exclusive Caizhi Fund. Ordinary Caizhi Fund can be selected in 3/6/12/18/24 periods, and the corresponding handling rates for each period are 0.95%/0.75%/0.75 respectively. %/0.75%/0.75%, the annualized interest rates are 17.02%/15.27%/16.22%/16.42%/16.43% respectively; the exclusive (large amount) financial investment is available in 6/12/18/24/36 periods. The corresponding handling rates for each period are 0.8%/0.7%/0.7%/0.7%/0.75% respectively, and the annualized interest rates are 16.27%/15.16%/15.36%/15.38%/16.24% respectively. Handling fee for each period = approved amount * base handling rate for each period, and will be deducted from period to period.

The details are subject to our bank’s review results, and the funds will only be used for designated consumption purposes.

To learn about/apply for GF Credit Card Caizhijin, please download and log in to the "Discover Wonderful" APP → "I Want Cash" or follow and bind the "GF Credit Card" WeChat official account.

(Response time: August 9, 2019. For the latest business changes, please refer to the official website of GF.)