Credit card reserve fund is a kind of temporary fund specially reserved for cardholders, mainly used to deal with small and sudden financial needs. It can be sporadic expenses such as travel expenses and sporadic purchases set up by the company for internal departments or employees, or it can be a backup line provided by financial institutions for credit card holders. In terms of management, a dedicated person must be responsible for the reserve fund, and it must be used strictly in accordance with the prescribed purposes. It is strictly prohibited to use it for other purposes or lend it to others.

The method of calculating reserve funds involves the financial status of the company, which usually includes factors such as the previous year's undistributed profits, this year's net profits minus distributed profits, etc. Distributed profits involve a variety of expenses, such as property losses, fines, loss compensation, distribution of surplus reserves and public welfare funds, as well as net income after operating income minus various expenses. In addition, the actual growth rate of personal disposable income will be adjusted according to the consumer price index, reflecting the relationship between income growth and price changes.

In general, the use of credit card reserve funds should be reasonable, compliant, and arranged and used according to the financial needs and management regulations of individuals or businesses to achieve the purpose of fund protection and financial planning.