Credit card reserve fund is actually the limit given by the bank to the cardholder. This part of the limit does not occupy the credit card limit. After application, you can repay in installments. The credit card bill will be merged into the credit card bill, and you only need to pay back the credit card.

Credit card reserve funds are generally invited by banks that meet the qualifications, and the names of each bank may be different. For example, Guangfa's credit card reserve fund is called Caizhijin, Minsheng, Ping An, and China Everbright Bank All credit cards have reserves.

Active application for credit card reserve funds is generally not supported. Cardholders with good qualifications and good card usage records are required to receive an invitation from the bank to activate it.

Although the reserve fund is a loan outside the bank credit card limit, its use is similar to that of a credit card. A certain handling fee must be paid for installment repayment. Even if the loan is repaid in advance, the handling fee must still be charged. Apply This should be clear beforehand.