Yes The credit card reserve fund is actually an upgraded version similar to the credit card cash installment, but the difference is that the reserve fund does not occupy the credit card limit. After the application, the amount of credit card reserve will be transferred to the designated credit card, and the amount of credit card reserve will be included in the credit card bill, but it will be included in the credit card bill, so we only need to return the credit card. Generally speaking, the credit card reserve fund does not support active application, and cardholders with good qualifications and good credit card records can only open it after receiving the invitation from the bank. And the name of the bank may be different. For example, Guangfa's credit card reserve fund is called Financial Intelligence Fund, and Minsheng, Ping An and China Everbright Bank all have reserve funds.

How to use the credit card reserve?

Credit card reserve is an extra amount provided by the bank to customers, which can be used by customers in installments (generally, it does not occupy the credit line of credit card, and the bank will transfer it to the credit card account or any bank account at one time). However, it should be noted that the credit card reserve fund is usually limited to personal daily consumption expenses (such as home decoration, leisure travel, furniture and household appliances, further education, car purchase, wedding, medical department stores, department stores, etc.). ), but it can't be used for production and operation, and it is often impossible to transfer money, withdraw cash, recharge Alipay, WeChat, etc. , and can not be used in the securities market, equity investment, etc. Of course, some petty cash will automatically offset the credit card arrears first after it arrives. After the petty cash arrives, customers can spend it directly by credit card. After the transaction is recorded, the account will be paid at sunrise, and the customer can repay the loan in installments according to the selected number of installments. The names of the reserves provided by different banks are different, such as Shanghai Pudong Development Bank, China Guangfa Bank, China CITIC Bank and Huaxia Bank.

1. After the imprest application is successful, the funds will be transferred to my credit card and the credit card bill can be paid back; Unused consumer reserves will offset new credit card transactions. After the reserve fund is used up, use your own credit card limit.

2. The amount of the reserve fund to be repaid is included in the credit card bill, which means that the credit card bill will include the new consumption and the amount of the reserve fund to be repaid during the credit card cycle.

3. After the reserve fund is recorded, it will be included in the amount to be repaid next month. For example, the petty cash is recorded in April 13, and the amount to be repaid in the first phase of petty cash 13 is recorded in the credit card bill.