How to cancel the reserve fund of Ping An Bank can be divided into the following two situations.

1. Cancellation within the hesitation period after successful application: users can directly call Ping An Bank's credit card customer service phone number, then transfer to manual service to apply for cancellation of the reserve fund, and inform online customer service of the information. After confirming that there is no problem, the staff will help the user cancel the reserve fund;

2. Cancellation after the hesitation period: users can't cancel the reserve fund, and users can choose to pay 3% of unpaid fees as liquidated damages to pay off the reserve fund in advance.

The above is how to cancel the relevant contents of Ping An Bank's reserve fund.

How to use Ping An Bank's reserve fund

Ping An Bank's reserve fund is a phased business. Users apply to Ping An Bank for an asset, which can be used for personal or family consumption (cash withdrawal is not allowed), such as car purchase, wedding, medical care, education, and purchase of large durable consumer goods. However, after the reserve fund arrives, it will give priority to offset the credit card arrears of the user. After the user consumes and uses the money, it is enough to repay the principal and a certain handling fee in installments. The principal and handling fee of each installment will be fully included in the minimum repayment amount of the monthly bill, and will occupy the available amount of the user's credit card account. It belongs to another emergency asset given by the bank and will be credited to the credit card account at one time.

Can the Ping An reserve fund be used up at one time?

Ping An reserve fund can be used up at one time. If the user opens the function of single large consumption, the amount of the reserve fund can be used up at one time when using the reserve fund. It should be noted that the amount of Ping An reserve fund can only be used for transactions and cannot be used for cash withdrawal, so it is necessary to use the amount of Ping An reserve fund according to regulations.

If users use it illegally, they may be required to pay off all loans in one lump sum, which will increase the pressure on users to repay loans, thus causing users to loans overdue. The overdue Ping An reserve fund will cause a series of negative effects, and users need to repay on time and use it according to regulations. Ping An reserve fund can only be used for daily credit card swiping and online payment, and can be used to deduct the bills already issued, and cannot be withdrawn, transferred or recovered. This paper is mainly about how to cancel the relevant knowledge points of Ping An Bank reserve fund, and the content is for reference only.