Yes, Ping An Bank's reserve fund can be brushed out at one time, but we can only use it to spend or offset credit card arrears, not to withdraw cash, transfer money, Alipay recharge, WeChat recharge, etc. And we can't use it to buy non-consumer investments such as funds and stocks in the securities market.

It is impossible to brush it out at one time, and it is easy to be detected as cash by the system, which is likely to lead to the recovery of Ping An reserve fund and the requirement to pay off the principal and interest at one time.

When we apply for the use of Ping An Bank's reserve fund, the repayment cost will not decrease with the reduction of repayment principal, and the cost of consuming the reserve fund in each period is the same. If repayment is made in advance, you need to pay off the outstanding installment balance in one lump sum, and then charge a handling fee of 3% for settling the principal in advance.

Generally speaking, Ping An Bank's consumer reserve fund can only be used for consumption or offsetting credit card arrears. After our application is approved, Ping An Bank will usually charge a handling fee according to the amount of consumer reserve successfully applied, regardless of whether it is used or not. Therefore, we'd better apply carefully.

Extended data:

Ping An Bank reserve fund is actually a small emergency fund specially provided for customers with Ping An credit cards. After the customer receives the Ping An consumption reserve fund, it can be used for daily credit card consumption and online payment (which takes precedence over the credit line of the credit card after receipt), and can also be used to offset the bill that has been issued.

However, Ping An Consumer Provident Fund cannot be withdrawn, transferred or recycled. If you want to make a large transaction, you have to call Ping An Bank's customer service hotline 955 1 1 in advance to open a single large consumption.

You also need to pay attention to the fact that after the Ping An consumer reserve fund arrives, the fixed principal and handling fee will be repaid monthly from the second month, regardless of whether the customer uses it or not, so the customer had better use it as soon as possible.

If you want to apply for Ping An Consumer Reserve Fund, only the main cardholder can apply, but the supplementary cardholder cannot. The currency of application is limited to RMB. The application amount of the reserve fund cannot be higher than 500,000 RMB, and certainly not lower than 3,000 RMB.