The reserve fund played by Yinsheng Payment Service Co., Ltd. can be spent at will. The reserve fund made by Yinsheng Payment Service Co., Ltd. is a credit product behind the credit card, but it is different from the bank's credit product. As long as you use your credit card well, you have a chance to get the money. The petty cash is already your money when it hits your bank card. You can spend it at will, as long as you can repay it on time.