You need to pay attention to the over-use regulations of Guangfa Credit Card. Once the credit card repayment exceeds the limit, the user still has the authority to make over-the-limit consumption, but only once per month. If the overage is not repaid in full by the next billing date, this amount will no longer be available for use. If there is an overage for two consecutive months, Guangfa Bank will automatically suspend the overage function and need to be reactivated through the customer service hotline. Therefore, reasonable planning of consumption and timely repayment are very important.

Credit card, as a kind of credit instrument, allows the cardholder to make non-cash payment within the credit limit, and the bank and merchant will settle the payment after shopping or consumption. Credit cards are usually offered by commercial banks or credit card companies to individuals who qualify for credit assessment, allowing a certain level of overdraft. Understanding the rules of credit card use, especially regarding overage management, can help cardholders avoid unnecessary additional fees and credit history problems.