Shopping in the Credit Card Mall of Guangfa Bank (v 1.3.6) is very convenient. As long as the customer's credit card limit is sufficient (that is, the overdraft limit is greater than or equal to the commodity price), it can be purchased directly, by default, without handling fee and interest. The shopping process is as follows:
The first step: choose your favorite goods;
Step 2: Click "Buy Now" and check the shopping cart;
Step 3: Fill in the information such as order, commodity quantity, period number, delivery address, etc.
Step 4: Submit the order and confirm the purchase.
Operating environment: the mobile banking client of Guangfa Bank downloads v6.6.0, and the browser computer terminal: macbookpro mos 14 opens google version 92.0.4515.131.
Credit card installment payment refers to the process that when the cardholder uses the credit card to make a large amount of consumption, the bank pays the consumer funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and then the cardholder repays the money to the bank in installments and pays the handling fee. According to the cardholder's application, the bank deducts the consumption funds and handling fees by stages through the cardholder's credit card account, and the cardholder repays according to the monthly recorded amount.
For credit card consumption, bills, merchants and special installments, the charging methods for applying for full prepayment are as follows:
1. Handling bill installment: After applying for full prepayment, the installment fee collected or booked will not be refunded, and the first installment fee will be charged.
2. Handling consumer or merchant installment: apply for full repayment in advance after installment and before the first installment bill is generated after installment, and the installment fee collected or booked will not be refunded, and the installment fee without bill will be exempted; Apply for full prepayment after the first-phase bill is generated. The installment fee collected or booked will not be refunded, and the installment fee of the first-phase bill will be charged.
3. Handling special installment: apply for full prepayment after installment and before the first installment bill is generated. The installment fee collected or recorded will not be refunded, and the installment fee without bill will be exempted; Apply for full repayment in advance after the first bill is generated. The installment fee charged or booked will not be refunded, and the installment fee of the first payment or the agreed amount will be charged.
4. The charging method for the cardholder to apply for full prepayment by participating in the installment of consumption and bills handled by our bank's installment preferential activities shall be implemented in accordance with the relevant activity rules.