1. Users with overdue credit cards must actively negotiate with the issuing bank for repayment, and must not evade the collection business of the issuing bank.

2. Users should first ask themselves what is the reason for the delay in calling the customer service of Guangfa Bank. In this case, users can negotiate personalized installment repayment business with banks.

3. For users whose credit cards are overdue, they should stick to it. It can't be said that after several calls, the bank customer service refused to give up. Users need to express a strong willingness to repay to the bank.

Business scope of Guangfa Bank:

1. The business scope of Guangfa Bank is all banking business stipulated in the Commercial Banking Law, which mainly includes: absorbing public deposits and issuing short, medium and long-term loans; Handle settlement; Handle bill discount; Issuing financial bonds; Acting as an agent to issue, honor and underwrite government bonds; Buying and selling government bonds; Engage in interbank lending; Providing letter of credit services and guarantees; Acting for payment and insurance agency business; Provide safe deposit box service; Foreign exchange deposits; Foreign exchange loans; Foreign exchange remittance; Foreign currency exchange; International settlement; Settlement and sale of foreign exchange; Inter-bank foreign exchange lending; Acceptance and discount of foreign exchange bills; Foreign exchange loans; Foreign exchange guarantee; Issuing foreign exchange credit cards; Buying and selling foreign currency securities other than stocks and acting as an agent; Issuing and acting as an agent to issue foreign currency securities other than stocks; Self-operated and valet foreign exchange transactions; Acting as an agent for issuing and paying foreign credit cards; Offshore financial business; Credit investigation, consultation and witness business. Other businesses approved by the People's Bank of China and China Banking Regulatory Authority.

2. In 2006, Guangfa Bank successfully completed the reform and restructuring, and introduced world-class foreign-funded enterprises such as Citigroup and IBM Credit, as well as powerful domestic well-known enterprises such as China Life Insurance, State Grid and CITIC Trust. At the same time, we introduce advanced management concepts and service mechanisms, constantly surpass them, serve you wholeheartedly, and add value every day.