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If I apply for a reserve fund with a Ping An Bank credit card, do I not have to deduct a handling fee?

See what steps were taken in your application. If you apply, but do not complete the transfer of the reserve fund to the savings card, and then do no follow-up operations, it is equivalent to not completing the application, so there will be no deduction. On the contrary, if the petty cash has been transferred to a savings card, regardless of whether you use the money, you must pay the repayment, interest and handling fees in accordance with the regulations.

Ping An Bank Credit Card is the first credit card launched after the merger of Shenzhen Commercial Bank and Ping An Bank and their name was changed to Shenzhen Ping An Bank. In addition to the basic functions of credit cards such as credit consumption and cash advance, it also has many special functions, providing cardholders with comprehensive security covering "consumption safety, home safety, and travel safety". Ping An Bank Credit Card is the first credit card launched after the merger of Shenzhen Commercial Bank and Ping An Bank, which was renamed Shenzhen Ping An Bank. In addition to basic functions such as credit consumption and cash advance, credit cards also have many special functions. Any natural person who is over 18 years old, has full capacity for civil conduct, has a stable and legal source of income, and has a good reputation can apply to the card issuer for a personal main credit card with his or her valid ID card and other documents required by the card issuer.

Ping An Bank credit card principal cardholders can apply for supplementary cards for other qualified natural persons. The primary cardholder shall be fully responsible for repaying the debts incurred under the primary card and supplementary card. The supplementary cardholder shall be jointly and severally liable for the debts incurred under the principal card and the supplementary card. A copy of your resident ID card or military officer's ID card; if you are a compatriot from Hong Kong and Macao, you need to provide a copy of your mainland pass and residence permit for more than one year; if you are a foreigner, you can provide a copy of your passport and residence permit for more than one year. Among them, applicants who are under 16 years old must provide a copy of their household registration book. A copy of the private car driving license, the original employment certificate issued by the company (with the company's official seal or personnel seal) or professional qualification certificate, such as a copy of the lawyer's practice certificate, a copy of the registered auditor qualification certificate, etc.