Cai Chi Metal is a kind of temporary limit, but the conditions for its issuance are different, and it can be paid back to the credit card.

Loan products issued in the form of credit cards such as Guangfa Exclusive Finance may still be reflected in the form of credit cards, but they will be shown in the credit card's large-amount special installment records, and the installments will also be displayed. The time and installment amount are equivalent to being listed on the credit report.

In this way, banks can intuitively understand the cardholder's debt situation from the credit report, and risk control will be more stringent. Whether GF Exclusive Financial Intelligence Gold is listed on the credit report, the old version of the credit report and the new version of the credit report show different situations, but regardless of whether it is listed on the credit report, the bank is likely to see the cardholder's debt situation, so if it is in the near future If you are dealing with mortgages, car loans, etc., it is best not to use them lightly.

Old version of credit report:

In the old version of credit report, cash installment loan products in the form of credit cards, such as GF Exclusive Finance, will not be opened separately. account, so its loan information will not be reflected in the credit report. After using it, only the total credit limit of the credit card and the monthly repayment amount will be reflected in the credit report.

Although it cannot be said to be a credit report, as long as the bank is willing, it can still identify the debt status of the cardholder, so don't think that using Exclusive Finance will not have an impact on your credit report.