The reserve fund of Industrial Bank's credit card can be used directly. Like credit card consumption, the bank will not check the invoice.

After the cardholder successfully handles the cash reserve business, the funds will be transferred to the cardholder's credit card account in real time, but the funds shall not be used in non-consumption areas such as investment, cash withdrawal or transfer, and only used for credit card consumption (including but not limited to household goods consumption, household appliances consumption, decoration consumption, medical care, car purchase, wedding, tourism consumption and other personal small durable goods consumption).

If the cardholder fails to use the funds as agreed or fails to effectively prove that the funds have been used for the agreed purposes, Industrial Bank has the right to require the cardholder to pay off the installment balance in one lump sum, including but not limited to the remaining installment principal and credit card installment service fee; At the same time, Industrial Bank will have the right to refuse the cardholder's application for the business again.