Guangfa Bank’s small loan interest means using a credit card to advance cash and then repay it in installments. However, credit card cash advance does not charge interest, only a handling fee, and the handling fee rate is related to the application related to the number of installments. Taking China Guangfa Bank's Caizhijin (reserve fund) as an example, the number of installments that cardholders can apply for are 3/6/12/18/24, and the corresponding handling rates for each installment are 0.95%/0.75%/ 0.75%/0.75%/0.75%, the annualized interest rate is 17.02%/15.27%/16.22%/16.42%/16.43%. For example, if you use Guangfa Bank’s credit card to obtain a loan of 10,000 yuan, if the number of installments applied for is 3, the corresponding handling fee will be 95 yuan. If the number of installments applied for is 6, the corresponding handling fee for each installment is 75 yuan.