Only available in emergencies.

The ICBC credit card reserve fund is essentially a small loan, and each bank has different names for small loans. The ICBC credit card reserve fund is to meet the consumption needs of the main cardholder. It provides cardholders with a small consumption reserve fund through active invitation. The cardholder can repay the principal and a certain amount of handling fees in installments. At present, most banks provide credit card loans, which are often called reserve funds, but they are called differently within banks.