Individuals can borrow 4 million yuan as credit card savings. Generally, banks invite credit card customers to activate reserve fund services. To put it simply, the reserve fund is the money that the bank gives you beyond the credit limit of your credit card for you to spend, and the bank earns some handling fees. Therefore, the invited customers are generally people with a certain repayment ability, which can also be called banks. of quality customers. For example, Ping An Bank's credit card reserve is an additional amount of credit card funds given to you by the bank in addition to your credit card. It is not a limit and cannot be withdrawn. It is used for credit card payments and can be returned to the bank in up to 24 months.