Guangfa Mall is reliable for buying mobile phones.

Guangfa Mall is a marketing platform developed by Guangfa Bank in the field of e-commerce. It involves a complete range of products and a wide range of products, covering digital audio and video, mobile communications, computer products, home life, watches and clocks and jewelry, beauty and cosmetics, and leather goods and bags. , sports and outdoor and other channels, and more than a thousand high-quality products, which can fully meet the diverse needs in daily life.

Guangfa Mall business: Holders of debit or credit cards of Guangfa Bank Co., Ltd. (hereinafter referred to as Guangfa Bank), or users of Guangfa Bank current passbooks, apply and register for orders through the Guangfa Mall website or phone Information, pay for the goods in full or in installments, and the supplier will deliver the goods to the orderer by post or express.

When the subscriber purchases through Guangfa Mall, Guangfa Bank does not charge the subscriber for the subscription service fee. If the subscriber is required to pay any form of subscription service fee when shopping, please contact the supplier to confirm. Guangfa Bank has nothing to do with any disputes arising from this between the orderer and the supplier.

Pay by Installments is mostly used in product transactions with long production cycles and high costs. Such as the export of complete sets of equipment, large-scale vehicles, heavy machinery and equipment and other products. The method of installment payment is that after the import and export contract is signed, the importer first pays a small part of the payment to the exporter as a deposit, and the rest of the payment is paid after part or all of the product is produced, shipped, or after the goods arrive for installation and test run. , investment and repayment in installments when the quality guarantee period expires.

Suggestions on the use of installment payment

Clear the scope of installment payment. Each bank has different approaches to installment payment. In addition to the products in the credit card installment payment catalog, some banks have different requirements for purchases. There are specific requirements for location and amount. For example, Guangfa Card can apply for installment payment for a single transaction of over 500 yuan, and you must call customer service to register before consumption; while China Merchants Bank can apply for installment payment when making purchases at Gome Electrical Appliances, B&Q, etc. It is important to find out whether the purchase can be paid in installments before making a purchase.

Accurately calculate handling fees. There is no free lunch in the world. Although credit card installment payments are interest-free, handling fees are unavoidable. It is necessary to calculate the handling fee to be paid before consumption. If the price is acceptable after adding the handling fee, it is not too late to swipe the card.

Choose the most cost-effective credit card. Since each bank calculates handling fees differently, after understanding the credit card handling fees, you should choose the most suitable card for transactions. The commission rates of each bank are as follows: Bank 3 Phase 6 Phase 9 Phase 12 China Guangfa Bank 1.8 3.6 5.4 7.2 China Merchants Bank 2.6 4.6 -7.2 Industrial and Commercial Bank of China 1.65 3.6 5.4 7.2 China Construction Bank 2.1 3.6 - 7.2 Bank of Communications is divided according to the consumption amount: 1,500 (inclusive) to 6,500 yuan, 0.72 per month; 6,500 (inclusive) to 12,500 yuan, 0.7 per month; above 12,500 yuan (inclusive), 0.68 per month.