In fact, from the name, we can see the purpose of Pufa's consumer reserve fund, which is positioned in the consumption stage, so we can only spend it by credit card. Because after the customer has applied for the reserve fund of Shanghai Pudong Development Bank, the bank will directly transfer the money to the customer's "reserve fund account", and can't withdraw cash or transfer money.
Customers who want to use the petty cash of Shanghai Pudong Development Bank can only use the "petty cash account" to designate a virtual credit card for online consumption and payment, or use a separately applied petty cash platinum credit card (petty cash entity card) for online consumption on the merchant entity POS.
The consumer reserve fund of Shanghai Pudong Development Bank refers to an installment payment business launched by Shanghai Pudong Development Bank. In order to meet their own consumption needs, credit card holders of Shanghai Pudong Development Bank can apply for consumption funds from Shanghai Pudong Development Bank within the scope of reserve funds approved by Shanghai Pudong Development Bank.
After the approval is successful, Shanghai Pudong Development Bank will transfer the consumption funds into the customer's own "reserve fund account", and the customer can repay the consumption funds through the "personal credit card account" and pay a certain amount of installment fee.
The use of reserve funds is also restricted. Usually, it can only be used for daily consumption such as decoration, car purchase, household appliances, wedding, student aid, tourism, medical care, department stores, etc., and cannot be used for production and operation, nor can it be used for repaying other debts, let alone for investment fields such as real estate, stocks, futures, wealth management, and equity.
From the use point of view, we can simply understand it as consumer financial products such as JD.COM Baitiao and Bai Hua. If you want to withdraw cash, you can consider another credit card installment product of Shanghai Pudong Development Bank, which can withdraw money.
Generally speaking, Pufa's consumption accumulation fund cannot be withdrawn. If you want to "settle down" through reasonable channels, you can try to help your friends swipe their cards and ask them to pay you the corresponding amount. It should be noted that cash withdrawal is illegal, and financial products should be used reasonably and legally.