1. How to apply for a credit card loan from Guangfa Bank

There are four conditions for Guangfa Bank to apply for a credit card loan: age, provident fund, and income.

1. Applicants must be between 25 and 55 years old.

2. Applicants must have social security or provident fund or individual tax payment records for more than three months.

3. The loan applicant has a fixed job and stable economic income.

4. The applicant agrees to other regulations of China Guangfa Bank.

2. How to borrow money from Guangfa Bank with a credit card

There is no way to borrow money from a credit card directly with Guangfa Bank. Today's credit cards allow you to overdraft, use the card to make purchases and apply for installment payments. These are all borrowing money. However, you have to pay interest.

3. Guangfa has paid in installments. Do you want to pay it off at once?

Instalment repayment with Guangfa Credit Card can be repaid in advance. When repaying in advance, if you call the Credit Card Center of Guangfa Bank to make a record, you only need to pay one more installment payment fee, and you will be exempted from the remaining installment fees. handling fee. There are no refunds for early repayment fees. The interest-free installment repayment business of Guangfa Credit Card provides users with four periods, namely: 6 months, 12 months, 18 months, and 24 months; the handling fee standard is calculated based on the application principal, and the procedures for the corresponding period The specific fees are: 0.65%, 0.65%, 0.7%, 0.72%. The principles for paying the installment repayment fee of Guangfa Credit Card: (1) The installment fee is charged on a monthly basis; (2) If the installment is repaid in advance, the unpaid handling fee for the remaining installments will be charged in one lump sum when the installment is repaid in advance; When applying for installments, you also need to know whether you need to pay the handling fee in one go or collect it in installments. What you need to understand is that regarding the handling fee, no matter which payment method is used, as long as the number of installments is selected, the handling fee will change. No, even if you repay the loan in advance, the handling fee will be indispensable. After installment, even if you have the ability to repay in advance, the installment cost cannot be reduced.

4. How to apply for a credit card loan from Guangfa Bank

There are four conditions for Guangfa Bank to apply for a credit card loan: age, provident fund, and income. 1. Applicants must be between 25 and 55 years old. 2. Applicants must have social security or provident fund or personal tax payment records for more than three months. 3. The loan applicant has a fixed job and stable economic income. 4. The applicant agrees to other regulations of China Guangfa Bank.