Credit card reserve fund is actually an extra 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, and the names of each bank may be different. For example, Guangfa's credit card reserve funds are called Caizhijin, and credit cards of Minsheng, Ping An, and Agricultural Bank of China have them. Reserve funds.

The special reserve fund for credit card consumption of Ping An Bank 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 It is not a limit and cannot be withdrawn.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 cards and can be repaid up to 24 months. bank. Guangfa Bank's reserve fund business is called Caizhijin, and only invited customers can handle it.

As for the repayment method of the reserve fund, you can repay it in installments directly through a credit card. The handling fee must be paid in each installment. In other words, even if you repay all the money at once, you must pay each installment. There is a handling fee of 0.75% per period.