1. Occupancy quota: the so-called occupancy quota is the installment with high frequency of use;

2. Non-occupied credit line: also known as off-card credit line installment, which can only be used for installment business. For example, if your credit card has a credit line of 5,000 yuan, you can apply for a non-occupied credit line installment of 2,500 yuan, and the available credit line in the card is still 5,000 yuan.

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Guangfa Bank (full name: Guangfa Bank Co., Ltd.) is one of the earliest joint-stock commercial banks established in China. 1988 was established on the Pearl River and its headquarters is located in Guangzhou, Guangdong Province, China.

20 1 1 On April 8, Guangdong Development Bank Co., Ltd. was officially renamed as Guangfa Bank. China Life Insurance, which is mainly engaged in comprehensive financial services, bought a large number of shares of Guangfa Bank and became the largest shareholder.

Enterprise profile

Guangfa Bank is one of the earliest joint-stock commercial banks in China. Its full name is Guangfa Bank Co., Ltd., formerly known as Guangdong Development Bank. Established in September 1988, and headquartered in Guangzhou, Guangdong, China.

scope of business

Guangfa Bank Card The business scope of Guangfa Bank is all banking business stipulated in the Commercial Banking Law, which mainly includes: absorbing public deposits and issuing short, medium and long-term loans; Handle settlement; Handle bill discount; Issuing financial bonds; Acting as an agent to issue, honor and underwrite government bonds; Buying and selling government bonds;

Engage in interbank lending; Providing letter of credit services and guarantees; Acting for payment and insurance agency business; Provide safe deposit box service; Foreign exchange deposits; Foreign exchange loans; Foreign exchange remittance; Foreign currency exchange; International settlement; Settlement and sale of foreign exchange; Inter-bank foreign exchange lending; Acceptance and discount of foreign exchange bills; Foreign exchange loans; Foreign exchange guarantee; Issuing foreign exchange credit cards; Buying and selling foreign currency securities other than stocks and acting as an agent;

Issuing and acting as an agent to issue foreign currency securities other than stocks; Self-operated and valet foreign exchange transactions; Acting as an agent for issuing and paying foreign credit cards; Offshore financial business; Credit investigation, consultation and witness business. Other businesses approved by the People's Bank of China and China Banking Regulatory Authority.

In 2006, Guangfa Bank successfully completed the reform and reorganization, and introduced world-class foreign-funded enterprises such as Citigroup and IBM Credit, as well as powerful domestic well-known enterprises such as China Life Insurance, State Grid and CITIC Trust. At the same time, we introduce advanced management concepts and service mechanisms, constantly surpass them, serve you wholeheartedly, and add value every day.