1, the credit card reserve fund is not available to everyone, and there is a time limit. Usually it's gone after three months without using it. Please consult the bank customer service for specific time!
2. The repayment method of the reserve fund is mostly equal principal and interest (the four major banks and CITIC both have interest before principal, and Everbright sometimes charges all the handling fees at one time when lending money), that is, the principal and handling fees are repaid monthly, and the handling fees show the monthly average interest rate, that is, regardless of the repayment period, the monthly handling fee is the initial loan amount multiplied by the monthly handling fee rate! (The reserve interest rate will also be discounted from time to time. )
3. To apply for the loan method of the reserve fund, you should specifically ask the bank's requirements, whether it is a one-time payment to a savings card or a credit card!
4. Once the reserve fund is successfully applied for and lent, the handling fee will be calculated whether it is used or not. 3% of the remaining principal is used as the penalty for prepayment! Of course, there is no handling fee in the early stage.
It is much easier to apply for and use the reserve fund than to apply for a credit loan from the bank. Moreover, the bank will often give you a quota after using it (provided that it is not overdue), so it can be considered as a short-term working capital reserve. It is suggested that people in need lock up the credit card reserve funds of two or three banks according to their actual situation of holding credit cards!
China CITIC Group Co., Ltd. (formerly known as China International Trust and Investment Corporation) is a central financial enterprise, and its "φ φ φ φ φ φ φ φ φ" has a long history. The main business is mainly financial, industrial and other service industries. 20 18 12 was published in the "Top 500 World Brands 20 18" compiled by the World Brand Lab, and China CITIC Group Co., Ltd. ranked 24 1. 20 19 July, Fortune Global 500 released: ranking 137. 20 19 September, 20 19 China Top 65438 strategic emerging industries list was released in Jinan, ranking by China CITIC Group Co., Ltd.17; 20 19 the list of the top 500 service enterprises in China was released in Jinan, and China citic group co., ltd ranked 17. 20 19 12, China citic group co., ltd was selected as the brand of China brand power festival on 20 19.