中文：

广发财智金是广发银行推出的一款信用卡现金分期付款产品。它是一种便捷的短期借款方式，可以帮助客户在紧急情况下解决资金需求。

广发财智金的申请和使用非常简单。只需要通过广发银行信用卡中心在线申请，系统会根据客户信用卡的消费和还款记录等数据，自动审批借款额度。审批通过后，款项会直接转入客户指定的储蓄卡或信用卡中，客户可以根据自己的需求自由使用这笔资金。

与传统的信用卡提现不同，广发财智金无需提供任何形式的担保或抵押，也不需要支付高额的利息和手续费。同时，借款期限可以根据客户的需求自由选择，从3个月到3年不等。这种灵活的借款方式，让客户可以更加自由地支配资金，避免了不必要的利息和手续费支出。

广发财智金的优势在于它可以帮助客户解决紧急资金需求，同时避免信用卡提现的手续繁琐和费用高昂的问题。此外，通过使用广发财智金，客户还可以提高自己的信用等级，为未来的贷款和信用卡申请打下更好的基础。

总的来说，广发财智金是一种非常实用的短期借款方式，它可以帮助客户在紧急情况下解决资金需求，同时避免了信用卡提现的繁琐和费用问题。

英文：

Guangfa Cai Zhijin is a cash installment payment product offered by Guangfa Bank for credit cards. It is a convenient short-term loan product that can help customers solve their urgent need for funds.

Applying and using Guangfa Cai Zhijin is very simple. Customers can apply online through the Guangfa Bank credit card center, and the system will automatically approve the loan amount based on the customer's credit card consumption and repayment records. After approval, the funds will be directly transferred to the customer's designated savings account or credit card, and customers can use the funds freely based on their needs.

Unlike traditional credit card withdrawals, Guangfa Cai Zhijin does not require any form of guarantee or mortgage, and there are no high interest rates or fees to pay. At the same time, the loan period can be chosen freely by customers, ranging from 3 months to 3 years. This flexible loan product allows customers to支配their funds more freely and avoids unnecessary interest and fee expenses.

The advantage of Guangfa Cai Zhijin lies in its ability to help customers solve urgent needs for funds while avoiding the cumbersome and expensive processes of credit card withdrawals. In addition, by using Guangfa Cai Zhijin, customers can also improve their credit rating and lay a better foundation for future loans and credit card applications.

Overall, Guangfa Cai Zhijin is a very practical short-term loan product that can help customers solve their urgent need for funds while avoiding the problems of cumbersome procedures and high fees of credit card withdrawals.