Ping An Credit Card Spending Reserve Fund is a small emergency fund provided by Ping An Bank for cardholders. It is used by cardholders for credit card spending and cannot be used for cash withdrawal. Moreover, only customers invited by the bank are eligible to apply for this reserve fund. After the application for the consumer reserve fund is successful, the funds will be transferred to Ping An Credit Card in the applicant's name, and after the account is received, it will give priority to offset the current arrears of the applicant's credit card and repay the credit card bill.