Spiritual cash refers to the credit card holders of Ping An Bank (only the main card holders can apply, but the deputy card holders can not apply) who overdraw in full or in a certain proportion within the available cash limit under the credit line of Ping An Credit Card in order to meet their own consumption needs, and repay the principal and a certain amount of handling fees in installments.

The credit card limit can be temporarily adjusted in a short time. If there is a short-term limit demand due to large consumption in the near future, you can apply for a temporary increase in the credit card limit, which is called a temporary limit.

After the temporary limit expires, the available limit will be reduced, and repayment according to the credit card bill will have no effect. You can try to apply again if necessary. The spiritual use fund is to take out the credit card amount to the savings card to use cash and repay it in installments. After monthly repayment, the amount will be restored accordingly.