Ping An Bank's credit card "special reserve fund for consumption" refers to the business that the bank provides the cardholder with a small reserve fund for consumption through active invitation, and the cardholder can repay the principal and a certain amount of handling fee in installments.

if you receive the invitation message, you can reply to the message or try to apply in the following ways:

1. Log in to the Pocket Bank APP- Credit Card Interface-One-click Loan-Special Reserve Fund for Consumption, and apply according to the prompts.

2. Login to One Account-installment financing-apply for the reserve fund according to the prompt.

3. after calling ping an credit card service number 95511-2, transfer to manual application according to voice prompts.

after the successful application, the funds will be transferred to my credit card, and the credit card bill can be repaid; Unused consumer reserve will offset the new transaction of credit card. In other words, the petty cash will be used first after the petty cash arrives, and the credit card limit will be used after the petty cash is used up. This reserve fund is only used for daily credit card swiping and online payment, to offset the issued bills, and cannot be withdrawn, transferred or recycled.