The sub-card of Guangfa Bank's credit card can handle installment payment, and the sub-card has the same consumption function as the main card. Before the current bill is settled after consumption, you can apply for installment payment through personal online banking and mobile banking.

After the user repays in installments, the effective amount of installment products with the same amount will be frozen immediately, and the amount of one installment will be restored when each installment is repaid. The installment fee varies according to the number of installments. If users have enough credit cards, they can support multiple installments. When users pay in installments, the main and auxiliary cards share the amount.