If the application for the reserve fund is approved, if it is not consumed, is there a charge?

In the case of Ping An Credit Card, the handling fee will be charged according to a fixed monthly fee regardless of whether you use it or not, and how much you use it.

If you need to consult Ping An Bank's credit card business, you can click the link below to select **Customer Service Icon - Credit Card in the upper right corner of the home page, or follow Ping An Credit Card WeChat*** (paxyk95511) for consultation.

Ping An car owner loan] can get a loan if you have a car, up to 500,000.

The hesitation period for the consumption reserve is 0-3 days, and the application interface can be selected by yourself. If the application is successful, the cooling-off period cannot be modified. You can apply for cancellation during the cooling-off period, and no handling fee will be charged; It cannot be canceled after the cooling-off period.

Credit card bills will be repaid after the funds are credited; Unused credit will be applied to new transactions on your credit card. In other words, after the reserve fund is received, the reserve fund will be used first, and the credit card limit will be used when the reserve fund is used up. Regardless of whether or not the reserve fund is used and how much it is used, a handling fee will be charged according to the amount of the application, so it is recommended to use it as soon as possible.

Reserves. You don't need to open it.

The reserve fund is the reserve fund allocated by the enterprise to the internal user unit or individual employees as a reserve for sporadic expenses. According to the management needs, the reserve fund allocated by the enterprise can adopt the one-time reserve or the imprest system, and the reserve fund can be used in the "other receivables.

11. Reserve" detailed account. The reserve fund is the travel expenses allocated by enterprises, agencies, institutions or other economic organizations to internal units or staff members that are not independently accounted for.

Sporadic collection of funds for basic purchases, sporadic expenditures, etc. The reserve fund shall be managed by a designated person and shall be used in accordance with the prescribed purpose, and shall not be lent to others or diverted for other purposes.

The imprest system refers to the system of imprest funds held by the user unit according to the fixed amount. The implementation of this system, usually according to the actual needs of the unit, by the financial and accounting department in conjunction with the relevant unit to approve the amount of the reserve and allocate the payment, while stipulating the use of the money and the reimbursement period, after the actual use of the unit, with valid documents to the Luyan financial and accounting department for reimbursement, the financial and accounting department according to the reimbursement amount with cash to make up the amount of the reserve. Claims and disbursements are no longer accounted for through the "other receivables" account.

This method is convenient for enterprises to control the use of reserve funds, and can reduce the daily accounting work of the finance and accounting department and the silver gate, and is generally suitable for internal users with recurrent expenses.

Sporadic expenses refer to the expenses incurred by enterprises without specific physical forms, generally including: handling costs, processing fees, and labor costs.

Repair costs, laboratory fees, product test fees, technical verification fees, etc. The precautions for the review of sporadic expense reimbursement are that after the completion of the sporadic expense business tasks handled by the payee, the payee should take the initiative to timely submit the original reimbursement vouchers such as invoices and receipts.

After being signed and approved by the leader of the unit, together with the "reimbursement form", it will be sent to the financial department for reimbursement of sporadic expenses. The accountant shall carefully review the reimbursement form filled in by the reimburser and the original reimbursement documents submitted by the reimburser according to the audit content stipulated in the reimbursement procedures, and only after the audit is correct, can the reimbursement of sporadic expenses be handled.

1. There is no need to repay if it is not used and not lent out;

2. If the loan is not used in the bank card, it still has to be repaid;

3. So it depends on the situation.

I applied for the reserve for the first time and it was useless, why do I have to repay it, so what about my reserve that I applied for?

1. There is no need to repay if it is not used and not lent out;

2. If the loan is not used in the bank card, it still has to be repaid;

3. So it depends on the situation.

Here's what's going on.

Is it that if you take out the money in the card, you have to repay it, but I really don't understand this, although you didn't use the reserve, but you took it out.

It is equivalent to using a reserve fund.

I didn't take it out.

I didn't take it out.

It's all inexplicable.

You can call customer service to check the specific details and verify when it was operated.

If you have any questions, you can contact me as soon as possible.

Yes, there will be a quota of 500 yuan per month after opening, but it can only be used at most twice a month. You can pick it up again if you need to.

So why do you want to open it, you can turn it off.

If the consumption reserve is not used, there is no need to repay the loan.

Read more: Advantages and disadvantages of spending reserves.

1. Advantages review:

First of all, the consumption reserve is a kind of installment loan in addition to the credit limit, and does not occupy the credit card's own limit. To put it bluntly, it means that you picked up a sum of money for no reason, which can save you from danger and facilitate your temporary turnover.

Secondly, the consumer reserve can be repaid in installments, the interest rate is relatively low, and the borrowing cost is not high. After the account, the current balance of the credit card will be offset first.

2. Comment on the shortcomings:

Although the CPA can be paid in instalments, it does not support early repayment. All children's shoes that want to be repaid in advance must pay the outstanding instalment balance and handling fee in a lump sum.

The principal and handling fee amount of each instalment will be fully applied to the monthly minimum payment amount and will be subject to the available credit limit of the cardholder's credit card account. Cardholders are required to repay the loan according to the credit card statement and SMS notification, and if the repayment is overdue or underpaid, the corresponding interest and late fees will be charged.