2. Cash installment itself is an installment business, which will be automatically phased after successful processing.

3. Consumer reserve fund is a consumer credit business provided by qualified cardholders for installment repayment. After the application is successful, the money will be transferred to the cardholder's personal credit card account in real time, giving priority to offset the RMB arrears under the personal consumption account of the credit card (except platinum installment card and business card). Unused consumer reserve funds will offset new transactions, but they cannot be withdrawn through overpayment.

The number of stages of consumption reserve fund is 3, 6, 12 and 24, and the corresponding single-stage rate ranges are [0.55%, 0.95%], [0.45%, 0.95%], [0.45%, 0.95%] and [0.50] respectively. Actually, the application result shall prevail.