50,000 credit card reserve. Credit card reserve is the credit card fund approved by the bank to the cardholder that exceeds the credit card limit. It is not a credit line, so it cannot be withdrawn. It can only be used for credit card swiping, and these banks do not charge interest as long as the handling fee is charged. If you 12 borrow 50,000 yuan, and the handling fee rate is 3%, that is to say, the total interest of 12 is 50,000 yuan ×3%= 1500 yuan, and the interest of each period is 1500 yuan/12 =1.