Good pass. The reserve fund for credit card consumption of Ping An Bank is to meet your own card usage needs. You can apply for a small additional amount from Ping An Bank. You can use this reserve fund by repaying the principal in installments and a certain amount of handling fees, although it sounds relatively high. Yes, but it is very easy to apply for the Ping An Bank credit card consumption reserve fund. A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.