Not high. The CITIC Credit Card reserve fund refers to the amount of funds granted by the bank to the cardholder in addition to the credit card limit. It is not a limit and cannot be withdrawn in cash. It can only be used for swiping the card. The interest on the CITIC Credit Card reserve fund is not high. Take 12 installments as an example. The interest rate is between 0.75 and 0.9, which is a very small proportion, so the interest rate on the CITIC Credit Card reserve fund is not high.