1. Wonderful loan is a big consumer credit product; Caizhi Fund (reserve fund) is a credit card service that provides cardholders with overdraft transfer and installment repayment; Wonderful loan is daily interest, and the equal principal and interest are repaid monthly (6/ 12/ 18/24/36), and daily interest = remaining unpaid principal × daily interest rate; As for the wealth management wisdom fund, after the cardholder applies for cash advance from Guangfa Bank, he will pay a certain handling fee to repay it in monthly installments (the number of installments that can be applied for is 3/6/ 12/ 18/24, and the handling fee rate is 0.95% for three installments and 0.75% for the rest); After the wonderful loan application is successful, the repayment date is the next month 10 (except for the last installment, which is the date corresponding to the lending date), and there is no charge for early repayment; If Caizhi Fund repays in advance, it not only needs to repay the remaining outstanding principal in one lump sum, but also needs to pay a penalty of 3% of the remaining outstanding principal in advance.

2. After submitting the wonderful loan application, the approval can generally be completed within 10 minutes. If the approval is successful, the loan funds will generally reach the designated bank account within 2 hours; As for the successful arrival time of Caizhi Fund, if it is transferred to our account, it will arrive within 2 days, and if it is transferred to other bank accounts, it will also arrive within 2 days. 50 thousand yuan and above, extracted within 2 working days.

1. The difference between Wonderful Loan of Guangfa Bank and Caizhijin: The application conditions are different: Wonderful Loan is based on the discovery of Wonderful APP, providing a single large-value consumer credit product for qualified customers, purely online application; Caizhijin is Guangfa Bank; The credit card center provides credit card services such as overdraft transfer and installment repayment for high-quality cardholders; Interest calculation methods are different: Miao Loan calculates interest according to the actual loan days, daily interest = remaining unpaid principal * days, interest rate, daily interest rate = annual interest rate /360, and annualized interest rate is subject to the approval result displayed in the processing interface. If the financial wisdom fund repays by monthly bills, the specific number of periods and the handling fee rate of each period shall be subject to the approval of the banking system; If repayment is made on a natural day, a handling fee will be charged from the date of successful application, and the customer can repay in full or in part at any time. The outstanding balance shall be charged according to the natural day, and the minimum repayment amount shall be paid in the agreed way every billing month.

2. Credit card cancellation process of Guangfa Bank: call customer service number 95508; After dialing, listen to all the voices and choose more services; Select more services to enter the phone password; After entering the phone password, after listening to the voice, press 0 to select the manual service; After the manual voice is connected, select the credit card to cancel; You will usually be asked why you cancelled your credit card. After the answer, the customer service will help you cancel your credit card. After canceling the credit card and hanging up the phone, cut the credit card in the middle and destroy the chip.