The user's application for Ping An reserve fund was rejected for one second, mainly because it did not meet the conditions for the use of Ping An reserve fund. The application conditions of Ping An reserve fund are that the applicant must be the main cardholder of Ping An Credit Card, the application amount is not less than 2000, and the applicant's personal credit information is good. If one or more conditions are not met, the application for reserve fund will be rejected for the second time.

The "special reserve fund for consumption" of Ping An Credit Card means that the bank provides the cardholder with a small reserve fund by way of active invitation in order to meet the consumer demand of the presiding cardholder, and the cardholder can repay the principal and a certain amount of handling fee in installments.