If the loans applied by users are ordinary bank loans such as decoration loans, credit loans and pure commercial loans, the interest rate of one-year loans that most users can apply for is basically between 4.35% and 4.77%. So suppose the user applies for a loan of 300,000 yuan, and after one year, the interest is basically between13050-14310 yuan.

Precautions for credit card use

Many cardholders are reluctant to open a card because of their low credit limit. If it is Guangfa Bank, you can try to freeze the withdrawal method, that is, if it is not activated for a period of time, Guangfa Bank will take the initiative to withdraw the amount.

If it is another bank, it is recommended to cancel the card (account): As mentioned, once the card is successfully issued, the credit card account will be displayed in your credit report, including the amount information. First of all, its quota is not high, which leads to the subsequent application bank will refer to this quota to approve your card; Secondly, although its credit line is not high, it still occupies your total credit line.