The credit card reserve fund will be automatically amortized every month.

Usually it is the portion beyond the credit card limit, which can be repaid in installments without occupying the credit limit. For example, Ping An Bank's credit card consumption reserve fund is a limit given to users in addition to the credit card limit, which can be used for purchases with a maximum repayment period of 24 months. Guangfa Bank's credit card reserve fund is called Caizhijin. Taking Caizhijin as an example, if you choose 12 installments, the installment rate is generally between 0.75% and 0.9%. Subsequent repayments only require the installment principal + installment fees in each installment.

Compared with the reserve fund products of Internet companies, the reserve amount of credit cards may be higher, but most of them cannot be withdrawn. You can check the detailed usage regulations on your credit card reserve page. Most of the reserve funds products of Internet companies can be withdrawn in cash, usually with a limit of 500 yuan to 2,000 yuan.

The reserve fund usually can only be used for the following two purposes:

1. Repay credit card: We can use the reserve fund to offset the credit card debt.

2. Consumption: The reserve fund is called consumption reserve fund, so it is limited to daily shopping consumption. It cannot be used for transfers, cash withdrawals, recharges of Alipay, recharge of WeChat, etc. Moreover, it cannot be used for securities market transactions. Purchase funds, stocks and other non-consumption investments.