Suddenly I received a short message asking me to declare my personal income tax. It has never happened before. What is going on every day? What's going on here? Where can I apply?

You can check whether you can apply for the reserve fund in the following ways:

1. Open the (APPle 12, ios 14) store, search and download the Pocket Banking App (version V5.4.5), log in to the credit card interface-one-click loan-special reserve fund for consumption, and make inquiries according to the prompts.

2. Call Ping An Credit Card Service at 955 1 1-2, and turn to manual inquiry according to voice prompts.

Extended data

The repayment of the reserve fund is reflected in the credit card bill every month, and it is enough to press the credit card bill every month. After returning, the money will be deducted and returned to the bank, and it cannot be brushed out. If the repayment is overdue or insufficient, the corresponding interest and late fees will be charged.

The rate is about 0.85% per month (not everyone's rate), plus the cost of using the credit card, which is equivalent to the annualized interest of about 20%. It should be said that it is high in bank loans, but it is much lower within the scope of microfinance. (Originally, I calculated 1 1%, but many gods suggested that this was equal principal and interest, so I had to multiply it by 2, so I changed it.

Early repayment may lead to the freezing of the reserve fund and the inability to enter the invitation list for a period of time.

You can prepay, but the interest (that is, the handling fee that must be deducted every month) will not be reduced because of prepayment.

If the repayment is made on schedule, normally on a monthly basis, and there is no overdue in the middle, and the credit information is normal, the same or higher reserve application amount will be given again in the second month after the repayment of the reserve. I guess this amount should be related to the so-called total credit and bank scoring system.

If the amount of the reserve fund is exceeded, the application will be rejected due to insufficient scores. It is suggested to reduce the number of applications. For example, it gives you a reserve fund of 50 thousand, and you can try less than 30 thousand in a day or two. If it doesn't work, please try again in a few days or after the next billing cycle.

The repayment of the reserve fund is reflected in the credit card bill every month, and it is enough to press the credit card bill every month. After returning, the money will be deducted and returned to the bank, and it cannot be brushed out.