Instant payment is a product specially designed for wage earners launched by Guangzhou Bank, with a maximum amount of 500,000 for a single person (300,000 for a single transaction); Interest rate: 0.4%-0.9%; Term: 2 years (interest first, capital later, not crossing the bridge), 3-5 years (equal principal and interest); Repayment method: interest before principal, equal principal and interest, which can be recycled; The calculation of liabilities includes: credit balance, credit card usage amount and 5% external guarantee balance; Huawei's customer debt is ≤ 3 million; Liabilities of Class A customers are ≤ 1.5 million, and liabilities of Class B customers are ≤ 1 million.

Bank of Guangzhou instant payment is a phased service launched by Bank of Guangzhou for credit card holders. After successful application, it can be used for consumption, wedding, study abroad and other consumption purposes. Although it is a bank loan business, its essence is not a bank loan product, but a subsidiary loan product of a credit card.