The accompanying payment reserve fund is an installment payment service for eligible credit card holders. After successful processing, the cardholder can get the consumption funds within the credit line of our bank, and the cardholder will repay the consumption funds and credit card installment service fees in installments. Once the cardholder's application for interest-bearing consumption cash reserve is successfully processed, it cannot be revoked at will, nor can the number of installments be changed.
After the cardholder successfully handles the consumer reserve fund business, the fund shall not be used for investment (including but not limited to expenses related to house purchase and real estate transactions, equity investment transactions of stocks, futures and other equity, investment transactions of funds, insurance, precious metals and other financial services, repayment of auto loans, mortgage loans, consumer loans, credit card arrears and other loans, and payment of taxes) or withdrawal or transfer. Only for consumption (including but not limited to: household durable goods consumption, household appliances consumption, furniture decoration consumption, medical consumption, car purchase consumption, wedding consumption, student aid consumption, tourism consumption and other small personal durable goods consumption). Cardholders must keep relevant consumption vouchers (such as POS bills and invoices), and banks have the right to consult consumption vouchers at any time. 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, the 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, the bank will have the right to refuse the cardholder's application for the business again.