You can apply for reserve fund, premium fund, premium fund, premium fund, premium fund and premium fund for one-click loan in Pocket Bank APP. The premium fund will only be displayed at the invitation of Ping An Bank, and the premium fund will only be displayed if there is an applicable credit card limit.

When the reserve fund arrives, the available credit card amount increases, and the spiritual use fund, preferential enjoyment fund and companion enjoyment fund are transferred to my detailed savings card for use.

1. Special consumption reserve fund: refers to the business in which the bank provides a small consumption reserve fund for the cardholder through active invitation to meet the consumption needs of the main cardholder, and the cardholder can repay the principal and a certain amount of handling fee in installments.

After the application is successful, the funds will be transferred to my credit card and the credit card bill can be repaid; Unused consumer reserves will offset new credit card transactions. This reserve fund is only used for daily credit card swiping and online payment, and can't be withdrawn, transferred or recovered.

2. Spiritual cash: refers to the credit card holders of Ping An Bank (only the main card holders can apply, but the deputy card holders can't apply) who overdraw in full or in a certain proportion within the available cash limit under the credit line of Ping An Credit Card in order to meet their own consumption needs, and repay the principal and a certain amount of handling fees in installments. To apply for spiritual use, you must meet the following conditions:

1) The applicant is the cardholder of the main card (supplementary card cannot be applied), and the card-holding time has expired for 3 months or more.

2) The currency is limited to RMB, and the application amount must be an integer multiple of RMB 65,438+0,000, with a minimum of RMB 2,000 and a maximum of RMB 50,000, and the available credit line (including temporary credit line, excluding payment by overpaid card).

3. Premium: The cash installment amount independent of the credit line is directly awarded by Ping An Bank according to the cardholder's comprehensive score. The premium business refers to the business that the credit card holder who has obtained the quota transfers the exclusive credit card cash installment quota of Ping An Bank to his debit card with the same name in full or in a certain proportion through the credit card premium business application channel, and repays the principal and a certain amount of handling fee in installments. To apply for preferential payments, you must meet the following conditions:

1) The applicant is the main cardholder, and the card holding time has expired for 3 months or more.

2) The currency is limited to RMB, and the application amount must be an integer multiple of 1000 yuan, with a minimum of 2,000 yuan.

4. Bonus: Ping An Credit Card provides cardholders with short-term consumer financial services. The cardholder can transfer the whole amount or a certain proportion to his debit card with the same name within the exclusive cash limit, and pay the corresponding principal and interest on a daily basis.