Application conditions of consumer reserve fund: 1. Applicants must use 18 ID card to open an account, hold a personal card of our credit card, have a good record of using the card and have no delay in repayment. 2. The repayment method of consumer reserve fund only supports automatic repayment of associated bank cards, and the applicant must hold a valid card in his name. 3. Cardholders who only hold student campus cards, platinum installment cards, business cards, official cards, purchasing cards, ANA cards or supplementary cards cannot apply. 4. Whether the final application is passed or not shall be subject to the comprehensive evaluation results of the Bank's credit card center.