You can't. The interest rate paid immediately by Guangzhou Bank is fixed and cannot be lowered. After the instant payment application is successful, it can be used for consumption, wedding, study abroad and other consumption purposes. Advantages of Guangzhou Bank's instant payment: the interest rate is low, and the lowest monthly interest rate is only 0.35%, which is equivalent to the annualized interest rate of 4.2%. This is lower than many loan products on the market, and the application is convenient. You only need to provide your ID card and bank card, with flexible repayment and good credit information. The credit record will not show the loan record, but only the credit card usage amount.