Consumer reserve fund: up to 300,000 yuan, one-time credit, non-recoverable. After the application is successful, it will be credited to the credit card account and used in the fields of automobile, home improvement, tourism, education and medical care. The benchmark consumption rates are: 2.22% in the third phase, 4. 14% in the sixth phase, 7.2% in the first 12 phase, 4.4% in the 24th phase, and 2 1 in the 36th phase.

Credit card installment payment refers to the process that when the cardholder uses the credit card to make a large amount of consumption, the bank pays the consumer funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and then the cardholder repays the money to the bank in installments and pays the handling fee. According to the cardholder's application, the bank deducts the consumption funds and handling fees by stages through the cardholder's credit card account, and the cardholder repays according to the monthly recorded amount.