In addition to the credit line, many bank credit cards also have some hidden lines, which are reserve funds. These lines are usually higher than credit lines, and exist independently as special lines, which are suitable for handling when consumer demand is large. So, which credit cards have reserve funds? Let's have a look.

1, consumption accumulation fund of Ping An Bank

Consumer reserve fund is a small emergency fund provided by Ping An Bank to cardholders through active invitation, and cardholders can repay the principal and a certain amount of handling fees in installments. After successful processing, it can be used the next day after receiving the reminder message of the special reserve fund for consumption.

It should be noted that the consumption reserve amount of Ping An Bank is only used for daily credit card swiping and online payment, which can offset the bills already issued. The reserve fund shall be used before it is used, and shall not be withdrawn, transferred or recovered. After receiving the account, whether it is used or not, the fixed principal and handling fee will be paid back every month.

2. Consumption Reserve Fund of Agricultural Bank of China

The consumption accumulation fund of Agricultural Bank of China has an exclusive quota, and the minimum single application amount is 500 yuan RMB. After the approval, the bank will transfer the funds to the designated credit card. After the funds arrive, the cardholder can spend, but can't withdraw cash. At the same time, the cash withdrawal, transfer and real estate consumption functions of credit cards and supplementary cards will be closed by banks until the reserve funds in the cards are used up.

It should be noted that regardless of whether the cardholder has used the funds, he must repay the installment principal of the "consumer reserve fund" and pay the installment fee according to the amount shown in the credit card statement.

3. Societe Generale will spend the reserve fund at will.

Industrial Bank provides high-quality cardholders with high-value consumer demand products for specified purposes. The minimum amount of each application is RMB 65,438+0,000, and the maximum amount is RMB 300,000. After successful processing, the funds will be transferred to the cardholder's credit card account in real time, which can be used for credit card consumption, but not for investment, cash withdrawal, transfer and other non-consumption fields.

After handling the consumer reserve business, close the overpayment transfer and cash withdrawal functions of the account. After the funds are received, regardless of whether they are used or used up, the handling fee will be charged normally according to the amount of successful transactions.