Guangfa credit card can be used as a debit card, but it is best not to. If it is used for credit card consumption, there is no problem, but there are certain restrictions on cash withdrawal or transfer by credit card of Guangfa Bank, and there is no interest on deposits, and there will be a handling fee for cash withdrawal or transfer.

The online cash withdrawal/transfer fee of Guangfa Credit Card is charged at 1% of the cash withdrawal amount, and the minimum fee is 10 yuan. In addition to the formalities, interest of five ten thousandths of the cash withdrawal amount is charged every day.

To transfer money by credit card, you must have a debit card of the bank and open one of telephone banking, online banking and mobile banking. Cardholders must pay the bill and related expenses after transferring cash in advance. Charge five ten thousandths of interest every day, plus related handling fees.