Ping An Bank's special reserve for credit card consumption is the extra credit card funds that the bank gives you on your credit card. It's not a credit line, so you can't withdraw your credit card, and you can pay it back to the bank for 24 months at the longest.

The installment payment business of Ping An Bank's credit card "special consumption reserve" (hereinafter referred to as "special consumption reserve") refers to the cardholder's application for a sum of money from our bank (only the main cardholder can apply, but the supplementary cardholder can't, and the following "cardholders" all refer to the main cardholder) to meet his own consumption demand and repay the principal and a certain amount of handling fee by installments.

The special reserve for consumption is only applicable to the main cardholders of Ping An Bank Credit Card, and the customers in the designated list are invited by the outbound marketing specialist of Ping An Credit Card.

Extended data

I. Business characteristics

1. Personalization: Cardholders can choose to apply for six issues, 12, 18 or 24 issues, with a minimum application amount of 2,000 yuan and a maximum application amount of 300,000 yuan. (The number and amount of specific application periods are subject to the application confirmation information on the website. )

2. Convenient application: cardholders can apply directly through credit card online banking, pocket banking and telephone;

3. Quick audit: feedback the audit results in real time. Once the bank approves the cardholder's application, it will transfer the money to the cardholder's credit card account within two natural days after the hesitation period.

Second, a warm reminder

1. The currency of "special consumption reserve" is limited to RMB, and the application amount must be an integer multiple of 1000 yuan, with a minimum of 2,000 yuan and a maximum of 300,000 yuan.

2. The specific number and amount that the cardholder can apply for shall be subject to the actual online situation.

3. After the application is approved, the number and amount of the application shall not be changed.

4. If the cardholder applies to pay off the outstanding installment balance in advance, he must pay off the outstanding installment balance in one lump sum after the approval of our bank, and the outstanding handling fee will be charged at 3% of the principal settled in advance.

5. The principal amount and handling fee payable recorded in the "special consumption reserve" for each period will not participate in the credit card points plan.

6 "special reserve fund for consumption" can only be used for personal or family consumption and cannot be withdrawn. After the deposit arrives, it will give priority to offset the current debt of your credit card. The principal and handling fee of each installment will be fully included in the minimum monthly repayment amount and will occupy the cardholder's available credit card account. The cardholder notifies the repayment according to the credit card statement and SMS. If the repayment is overdue or insufficient, the corresponding interest and liquidated damages will be charged.

7. No matter whether the "special reserve fund for consumption" is used or not, the handling fee is normally charged according to the successful application amount.

8. The repayable principal amount and handling fee of the "special consumption reserve" recorded in each installment shall not participate in other installment business of the Bank.

9. If the cardholder's credit card is cancelled, frozen or delayed during the installment payment of the "special consumption reserve", or the bank thinks that there is a risk that the cardholder may be unable or unable to handle this business, the bank has the right to ask the cardholder to pay off the remaining principal and the remaining unpaid handling fee at one time.

10. The above prices are temporary prices for our quality customers. Within the scope permitted by law, the bank reserves the right to modify the terms of this business and notify the cardholder in the way agreed with the cardholder in the Ping An Credit Card Collection Contract.

What is Ping An Consumer Provident Fund?

Consumer reserve fund refers to the small consumer reserve fund provided by banks to cardholders in the form of active invitation to meet the consumption needs of bank card users.

This amount of bank card users can spend at will, but after the expiration of the term, bank card users also need to repay this amount on schedule, so the consumer reserve fund also refers to the short-term loan of the bank.

Consumer accumulation fund requires bank card users to apply independently.

Application conditions of consumer reserve fund: the bank will regularly update the target customers who meet the requirements of applying for consumer reserve fund. Only the target customers can apply for "consumer reserve fund" from Ping An Bank, but the bank did not list the specific standards for the target customers of "consumer reserve fund".

How much is the reserve fund for credit card consumption of Ping An Bank? Does anyone know?

Ping An Bank credit card consumption reserve fund is a special consumption fund opened by Ping An Bank credit card for cardholders to meet their large consumption needs. If you need to spend a lot of money and the credit card limit is insufficient, the consumption reserve fund can solve your urgent need. This consumer reserve fund can be credited to your credit card account at one time and repaid on time later.

What does Ping An Credit Card Reserve mean?

With the more and more widespread use of credit cards, major banks have launched many new businesses with credit cards. For example, Ping An Bank has a "consumer reserve fund" specifically for credit card users. In fact, many banks have their own credit card reserve fund, but each bank has a different name and the essence is the same.

Ping An Bank's credit card reserve is the consumption quota of Ping An Bank's credit card users on the basis of credit card quota, and does not occupy credit card quota. After the user applies, he can repay the loan in installments and return it to his credit card. Similar to micro-credit loans.

Ping An Bank's consumer reserve fund can only be used by credit card main card users, and vice card users can't use the reserve fund. At present, the minimum amount of reserve fund is 2000 yuan, and the maximum amount is 100000 yuan. After the user applies, he can repay the loan by installments on 6/ 12/ 18/24, and he needs to pay a certain installment fee to Ping An Bank. The specific amount of expenses also needs to be paid.

How to apply for Ping An credit card reserve fund?

Ping An Bank's credit card reserve fund does not support users' active application. Ping An Bank will evaluate the users' card usage and select the users that Ping An Bank thinks are of high quality to apply for the reserve fund. Only users invited by Ping An Bank can apply for using Ping An Bank's credit card reserve.

Generally, users who meet the application conditions for reserve funds will be invited by Ping An Bank by directly calling the user's phone. If users have needs, they can contact customer service directly and operate according to customer service requirements. After successful handling, he can receive the corresponding money and repay it on schedule.

Generally, Ping An Bank will send a short message to inform users whether it is successful. Once successful, users must pay attention to repayment on schedule, so as not to affect their credit status.

If users want to get the invitation qualification of Ping An Bank's reserve fund, they can use Ping An Bank's credit card to spend more, and ensure that each bill is repaid in full and on time. You can also make deposits in Ping An Bank to increase your bank flow and wealth value, so that Ping An Bank can improve its repayment ability and credit status when evaluating the users of the reserve fund, thus obtaining the qualification for handling the reserve fund.