The normal bill installment of credit card is to return the paid bill to the bank in installments, and the repayment pressure is relatively small. The reserve fund is a consumer fund given beyond the credit limit. So the two are different.

Appointment installment is a credit card installment payment business. After the credit card customer applies, the amount will be directly credited to the credit card in installments. After the money enters the credit card, it becomes an overpayment, and the bank will close the transfer and cash withdrawal functions of the credit card. At this time, the petty cash can only be spent by credit card, and cannot be withdrawn.