The scientific name of financial fund, the meaning of reserve fund is simply that the bank gives some money beyond the quota to the applicant. You can refer to the bank's cash installment business. The difference is that the credit card reserve fund can withdraw more than 80% of the credit card amount in cash, which is equivalent to an upgraded version of cash installment. The repayment method can be paid in installments by credit, and the handling fee is paid in each installment. Even if the applicant pays all the money in one lump sum, he still needs to pay a handling fee of 0.75% per installment.