Consumer reserve fund refers to the small consumer reserve fund provided by banks to cardholders in the form of active invitation to meet the consumption needs of bank card users.

This amount of bank card users can spend at will, but after the expiration of the term, bank card users also need to repay this amount on schedule, so the consumer reserve fund also refers to the short-term loan of the bank.

Consumer accumulation fund requires bank card users to apply independently.

Application conditions of consumer reserve fund: the bank will regularly update the target customers who meet the requirements of applying for consumer reserve fund. Only the target customers can apply for "consumer reserve fund" from Ping An Bank, but the bank did not list the specific standards for the target customers of "consumer reserve fund".