How to get a loan with Guangfa Credit Card

With a credit card limit of 45,000 Guangfa Bank, you can get a loan of about 90,000. The loan limit is subject to bank review and is generally twice the fixed limit.

The application process for Guangfa Bank’s credit card credit loan is as follows:

Borrowers who meet the loan conditions must submit an application for Guangdong Development Bank’s credit loan to Guangdong Development Bank and submit the identities of themselves and their spouses. The original certificate (if you are unmarried, provide the certificate of unmarried status), as well as relevant certification materials such as your household registration, employment, loan purpose, etc.

Guangdong Development Bank accepts applications and reviews and approves relevant conditions of the borrower. If approved, go through the corresponding Guangdong Development Bank credit loan procedures and sign a loan contract. Finally, Guangdong Development Bank disburses the loan to the borrower's designated account.

What is Guangfa Bank’s free loan? How about it?

As Internet technology becomes more and more closely connected with everyone, traditional banks are paying more and more attention to the Internet. Many people found out that China Guangfa Bank offered "free loans" on the Internet and asked what Guangfa Bank's free loans were and how they were like. Today I will tell you about it.

According to our understanding, Guangfa Bank’s free loan is a pure credit loan product and belongs to Guangfa Bank’s “Caizhijin”. Here we will introduce to you the basic information, application conditions, application channels and precautions for Guangfa Bank’s free loans.

Basic situation

Guangfa Bank’s free loan can provide you with loans of no more than 300,000 yuan. The interest is calculated on a daily basis. The daily interest rate is as low as that it supports borrowing and repaying at any time. And funds can arrive quickly.

Application conditions

1. You need to have a Guangfa Bank credit card and have no record of bad credit card use in the past;

2. Have good personal credit and be collected by the central bank. There is no credit stain in the letter;

3. Have stable repayment ability and strong willingness to repay.

Application Channels

1. You can apply for Guangfa Bank free loan through the "Discover Wonderful" APP. Guangfa Bank free loan is located at the bottom of the installment page.

2. Follow the WeChat public account "Guangfa Credit Card", find the "Instalment Benefit" button below, click on "300,000 cash", and you can find Guangfa Bank free loan.

Notes

1. Guangfa Bank’s free loan can be directly credited to the borrower’s debit card, but it must be used for designated consumption purposes, otherwise personal credit may be affected.

The above introduces you to the basic situation, application conditions, application channels and precautions of Guangfa Bank’s free loans. I believe you have understood what Guangfa Bank’s free loans are.

With Guangfa Can I get a loan with a credit card?

Yes.

Caizhijin (i.e. cash installment) is an overdraft transfer and installment credit card service provided by China Guangfa Bank Credit Card Center to high-quality cardholders. The funds can only be used for daily personal consumption to meet funding needs. . When applying for financial support, you can choose to borrow and repay on a "calendar day" basis or in installments on a "bill month basis"; after approval, the money will be transferred to a designated domestic savings account with the same name.

According to Article 1 of the "Cai Zhi Jin" Product Service Agreement:

Party B can choose to use "calendar day" or "bill month" as the installment repayment method; if Party B can choose to divide it into 3/6/12/18/24/30/36/48/60 installments according to the "billing month". The specific installment selection range is subject to the number of installments provided by Party A, and the installments shall be made in accordance with the agreed method. To repay the principal and handling fees, the principal and handling fees payable in each period will be deducted from the credit card used by Party B to apply for "Cai Zhi Fund".

If Party B chooses to pay on a "natural day" basis, there is no fixed repayment period, and the handling fee will be calculated from the date of successful application. The customer can repay in full or in advance at any time, and the unpaid balance will be paid on a natural day basis. Handling fees are charged on a daily basis, and the minimum repayment amount must be repaid according to the agreed method on each bill.

Extended information:

According to Article 3 of the "Caizhijin" Product Service Agreement:

The "Free Loan" account will be billed separately. The bill type sent is consistent with the cardholder's personal credit card bill type. The billing date is consistent with the cardholder's personal credit card billing date, and the final repayment date is 26 days after the billing date. The actual situation is subject to the bill display result.

Customers can repay in full or in part at any time. When repaying, they need to separately designate a "Free Loan" account for repayment. A bill will be issued based on the remaining unpaid balance on each billing day and the minimum repayment amount for the current period will be calculated. .