"Special consumption reserve fund" refers to the business that the bank provides small consumption reserve fund for the cardholder through active invitation to meet the consumption demand of the main cardholder, and the cardholder can repay the principal and a certain amount of handling fee in installments. Fee rate: Tips: The installment fee rate is differentiated pricing according to the actual card usage of each customer. The specific charging standard can be inquired at the time of application. If necessary, you can apply in the following ways: 1. Log in to Pocket Bank APP- Credit Card Interface-One-click Loan-Special Reserve Fund for Consumption, and apply according to the prompts. 2. Log in to an account-installment financing-reserve fund, and apply according to the prompts. After the application is successful, the funds will be transferred to my credit card and the credit card bill can be repaid; Unused consumer reserves will offset new credit card transactions. In other words, petty cash will be used first after it arrives, and then the credit card limit will be used after it is used up. This reserve fund is only used for daily credit card swiping and online payment, and can't be withdrawn, transferred or recovered.