Guangfa Bank’s credit card initiative to lend money to customers is just an invitation from the bank, which does not necessarily mean that users can borrow money through it.

1. First of all, invitations are just a marketing tool. Like other lending institutions, banks also want to develop customers, so they will receive invitation reminders.

2. Secondly, the invitation shows that the user's basic conditions meet the bank's requirements or have had business dealings with the bank, so there is potential for further development. When the user goes to the bank to apply, they will still be evaluated based on their comprehensive qualifications to see if they meet the standards.