Now we all have one or two credit cards, and the bank's credit card business is also one of the main businesses. At the same time, the peripheral business of credit card has attracted more attention, such as credit card bill installment, cash installment and reserve fund. I believe everyone is familiar with the first two, but they may not know much about the credit card reserve fund. So what is the credit card reserve fund? How do I apply? Let's get to know each other. what does the credit card reserve mean? In fact, the credit card reserve fund is the amount of the bank's credit card, which does not occupy the credit card amount. After application, it can be repaid in installments, and the credit card bill is incorporated into the credit card bill, just return the credit card. Generally speaking, the credit card reserve fund is handled at the invitation of the bank, and the name of each bank may be different. For example, the credit card reserve fund of Guangfa is called financial intelligence fund, and the credit cards of Minsheng, Ping An and China Everbright Bank all have reserve funds.

how to apply for the credit card reserve fund? Generally speaking, the credit card reserve fund does not support active application. Only cardholders with good qualifications and good credit card records can be invited by the bank to open it. Although the reserve fund is a loan beyond the credit card limit of the bank, it is almost the same as a credit card. You have to pay a certain handling fee for installment repayment. Even if you repay in advance, the handling fee should be collected. This should be clear before applying. The credit card reserve fund is actually an upgraded version of the credit card cash installment. The difference is that one is within the credit card limit and the other is outside the credit card limit. If there is a demand for funds, it is just in the bank invitation list, you can apply to solve the financial problem, but you should make a comprehensive repayment plan and not apply blindly.