Personally, I think it's best not to use credit cards if possible. In fact, many small partners may not know about Guangfa Bank, because it was not defined as the domestic market at first. However, Guangfa Bank is the first bank in China to handle mortgage loans, the first bank to deposit and withdraw funds nationwide, the first bank with a credit card circulation of over 10 million, and the first bank with a profit of 10 million. However, his reputation in China is not very good, and it depends on his friends to find out the reasons themselves.

The overall development model of Guangfa Bank is quite good in China. Knowing that the small partners of Guangfa Bank should basically be old customers or have had loans before, the overall customer evaluation is very good. Unfortunately, however, fate played a big joke on Guangfa Bank. In about 2006, Citibank and China Life officially entered Guangfa Bank, and Citibank took over the day-to-day operation rights of Guangfa Bank, which triggered a dispute between state-owned assets and foreign capital.

Many small partners choose Guangfa Bank's credit card, in fact, because it can flexibly pay bills in installments, and because of this advantage, many people choose it. As we all know, the possibility of repaying the loan at one time is actually not high. If we can divide the period flexibly, we can greatly reduce the burden on our families or individuals, and at the same time improve the quality of life of individuals or families as a whole. But I personally suggest that it is best not to apply for a credit card.

Of course, the advantages of Guangfa Bank's credit card are not just what I personally said. After all, this is all I know. Perhaps the credit card of Guangfa Bank has other advantages, and this problem needs customers to explore slowly. In recent years, many friends who play credit cards have played very well. People who came into contact with credit cards in the early days have now realized the freedom of wealth.

The above questions are my personal thoughts. If you have other ideas, you can comment or discuss them below.