data verification and risk assessment. When applying for Guangfa Credit Card, you will call twice because of the first application data verification. The staff of the Credit Card Center of Guangfa Bank will call to confirm whether the personal information, income certificate and contact information of the applicant are correct. The staff of the risk management department of Guangfa Bank will call for the second risk assessment to ask about the applicant's occupation, income, liabilities and repayment willingness, so as to judge the credit rating and limit.