Ping 'an pre-approval quota refers to a credit card quota estimated by the bank according to the Agricultural Bank of China credit card when the user applies for a credit card for the first time. The special consumption reserve fund refers to the small consumption reserve fund provided by Ping An Bank to the cardholders through active invitation in order to meet the consumption needs of the main cardholders, and the cardholders can repay the principal and a certain amount of handling fees in installments. Ping An Bank will regularly update the target customers who meet the requirements for applying for the special reserve fund for consumption, and only the target customers can apply for the special reserve fund for consumption from Ping An Bank.