If the reserve is overdue and then repaid, can I continue to use the reserve after the repayment?

Alipay's reserve fund is overdue, and the reserve fund cannot be used normally, and after the payment is repaid, whether it can be used depends on the page prompt. If the page shows that there is a loan limit, then the reserve can be used normally after the overdue repayment. The borrowing amount of the page is withdrawn by the system, then the user can no longer apply for the reserve.

The borrowing qualifications of the reserve fund will be assessed by the system from time to time, and the subsequent borrowing amount may be restored.

Of course, users also need to maintain a good credit history and sesame credit history, which is conducive to the recovery of the reserve fund.

The specific recovery time after the reserve is paid off after the expiration date is determined according to Alipay's irregular system review, and the system will review users with sesame points greater than or equal to 650 points and an ant membership level of at least ** member. Generally, the shorter the overdue time, the faster the recovery, and the longer the overdue time, the longer the recovery time, but as long as the follow-up good behavior is maintained, it can still be reopened. If the overdue situation is extremely severe, then the possibility of recovery in the short term is almost zero.

Extended information: Alipay reserve is a borrowing function of Alipay, Alipay reserve can be used up to 500 yuan, real-time loan to the balance, 7 days after automatic deduction and return, Alipay reserve can be returned in advance, early return can be used again, each time the yuan is charged, but according to the system assessment, the amount and cost will be different, the reserve has the opportunity to enjoy limited-time activities, the specific page display shall prevail, and the use of more reserve funds helps to accumulate sesame credit.

The return of the reserve also includes active return and automatic return, the active return entrance is on the reserve gold page, click on the return line, and the automatic return will be automatically deducted according to the payment order you set in Alipay, if the payment order is not set, the balance - savings card - Yue Bao will be deducted in the order.

Alipay reserve is not available to anyone, whether the reserve can be opened is the result of the comprehensive evaluation of the system, if the current reserve can not be opened, you need to maintain a good credit account activity, follow-up attention, wait for the irregular evaluation of the system, and the sesame score and whether the reserve can be opened has no absolute relationship, not the sesame score can be used to use the reserve, the specific whether it can be opened depends on the results of the comprehensive evaluation of the system. If you use the reserve, you must return it on time, otherwise the reserve may not be used normally, and you will try to use it when you return it, depending on the page display.

According to the customer service, at present, Alipay's reserve fund is not on the credit report, and the specific situation needs to be continuously monitored.

If Alipay's reserve fund is overdue, then there will usually be the following three impacts:

1. Functional limitations: the reserve cannot be used after the overdue, and you can try again after settling the overdue arrears; Products such as Huabei and Borrowbei will also be affected.

2. Overdue fee: The cost of each day after the overdue period is the same as the daily use fee, which is subject to the actual display on the page.

3. Credit impact: affect sesame points.

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The reason why Alipay's reserve fund cannot be used is not only the reason for overdue, but also because other products such as Huabei, Borrow, and online merchant loans are overdue. In addition, it is possible that Alipay has a negative record, because as long as there are other overdue behaviors, it will affect the sesame points, and it will also affect the access to the reserve. Negative Record Entry:

1. After the reserve fund is overdue for one day, the amount can be restored immediately after the arrears are paid off, and the amount can be borrowed normally on the day the limit is restored.

2. If the system locks the reserve, it will usually be unlocked within a week after paying off the arrears.

3. If the system locks the reserve fund one day after it is overdue, and the subsequent user does not repay the loan in time, the locked time will be extended, until the user pays off the arrears of the reserve fund, and the system will decide whether to unlock the reserve fund after re-evaluation, and can only apply for use after the assessment is passed.

1. What is Alipay Reserve?

1. Alipay Reserve Fund is a small short-term loan product of Alipay, which is provided to users as the rights and interests of Ant members, with three limits: 100 yuan, 200 yuan, and 500 yuan, which are used to pay in case of emergency.

2. Alipay reserve has no interest, and does not charge any handling fee, it can be used twice a month after collection, the amount of withdrawal is 1-500 yuan integer unit, and the withdrawal period is 7 days, excluding the day of applying for Alipay reserve, it will be automatically returned after 7 days.

2. The impact of the overdue reserve fund:

1. After the reserve is overdue, the sesame credit score will be directly reduced, and the use of many products on the Alipay platform is related to the sesame points, if the sesame score is reduced to a certain score, it will directly affect the use of borrowing, Huabei and other products, such as causing the borrowing to be closed directly, because the opening condition of borrowing is that the user needs to reach 600 sesame credit scores.

2. Sesame points are required to be more than 650 points to open the reserve fund, and the membership level will be reduced after the reserve fund is overdue, which will lead to the suspension of the special privilege function of many senior members.

3. The reserve fund may not have a bad credit record if it is overdue for one day, but it will directly affect the credit record of the payment platform, and if the overdue time is very long, it may directly affect the use of the Alipay platform.

The reasons why the reserve cannot be used after it has been repaid are as follows:

1. The number of times exceeds the limit. According to Alipay's regulations, the reserve fund is used twice a month. If you have already used it twice in the current month, you will no longer be able to use it in that month, and you will need to wait for the next month.

2. The account is abnormal. If the borrower's behavior in using Alipay is very different from the past, and there is an abnormal situation, then the reserve fund will be temporarily unavailable. After all, Alipay has to ensure that its loans are safe enough;

3. There is overdue. The number of days that Alipay Reserve is used is *. If the borrower does not pay off the arrears within a fixed period, then there will be a late record. After the overdue record, the borrower may not be able to use it after repayment;

4. The quota for the day has been used up. Because the daily loan quota of Alipay reserve fund is limited, it cannot be used after the loan quota is used up on the same day. If you need a loan, you need to wait until the next day to apply;

5. The daily loan quota of Alipay reserve fund is limited, so it cannot be used after the loan quota is used up on the same day. If you need a loan, you need to wait until the next day to apply;

The reserve fund is mainly used for small and sporadic reimbursement expenses, and its scope of use is: other expenditures for individuals stipulated by the state except for the unified wage payment project; travel expenses that must be carried with them by the traveler; Other expenses that require cash payments, etc. For the reserve for sporadic expenses, a reserve fund system can be implemented, that is, the designated person in charge of the reserve fund shall receive the prescribed amount and be reimbursed in accordance with the prescribed procedures after expenditure, so as to make up the original quota.

Units that implement the imprest system shall, after the apex receiving department disburse the imprest fund, prepare a detailed list of expenses according to various expense vouchers, reimburse the finance and accounting department on a regular basis, and receive back the imprest fund disbursed. In the case of an advance provision, it may be debited to the "Provision" (or "Other receivables") account at the time of disbursement; The account is credited when the balance is reimbursed and recovered.

Operating Environment: Brand: Apple 12

System version: iOS14

Alipay, version.

If the reserve is overdue, it can usually be used again in about 7 days.

After the reserve fund is overdue to pay off the arrears, the specific recovery time is determined according to Alipay's irregular system review, and the system has a sesame score greater than or equal to 650 points, and the ant membership level is at least ** member user review. As long as good behavior is maintained in the future, such as users increase the frequency of Alipay use and repay on time, when the system comprehensively scores the account, as long as the score meets the standard, it can be restored and reopened.

If the application portal is closed after the reserve is overdue, then you can only wait for the next system assessment to reopen the portal. At present, it is known that the conditions for applying for credit are sesame points greater than or equal to 650 points, and the ant membership level is ** member or above. However, this does not mean that it will be opened if the conditions are met, and the system will evaluate it according to the user's comprehensive credit situation, so the time for reopening after the expiration date is uncertain.

For users who are overdue, the only way to maintain a good account status is to reduce defaults, and continue to pay attention to the reserve fund in the future.

In the case of a relatively good personal credit situation, the reserve fund is overdue for one day and the user will usually recover it on the same day after repaying the payment. For users who are not in good condition, the reserve fund is overdue for one day and after the payment is repaid, it must be verified by Alipay's system before it can be restored to normal use.

Alipay's reserve fund is overdue for one day, and in the case of good personal credit status, the user will usually recover on the same day after repaying the payment. If the overdue repayment time is not more than 7 days, and the payment will be repaid immediately after receiving Alipay's SMS or ** collection, and the frequency of overdue repayment is relatively small, coupled with the good use of Alipay, it is possible that the repayment will be successful and the normal use will be resumed immediately. For users who are not in good condition, the reserve fund is overdue for one day and after the payment is repaid, it must be verified by Alipay's system before it can be restored to normal use.

After the overdue, it is not possible to use the reserve fund again, you can only use it again after you make up the loan amount, and the overdue reserve fund is not counted in the personal credit system, but it will affect the credit record on the Alipay platform. If the overdue repayment period is too long, it may affect the use of the Alipay platform.

The impact of the overdue Alipay reserve fund is as follows:

1. Affect Sesame Credit.

Although some people say that as long as you don't go to the credit report, it's fine, but many private credit online loans need to be authorized to get sesame points, and it is difficult to get a loan if the credit score is low. And many businesses in Alipay will also look at the sesame points, so don't reduce the sesame points because of 500 yuan, now the sesame points are much stricter, and there are often no points increased.

2. Downgrade the membership level.

To open Alipay, one is to need a sesame score of more than 650, and the other is a **member, if the reserve fund is not repaid, then it will also affect the membership level, and it is possible to reduce the member. Then you can only earn points through consumption and shopping, living fee payment and financial management, so as to improve Alipay's membership level.

The reserve fund is overdue for 2 days before repayment, under normal circumstances, the use of the reserve fund will be restricted, and the amount will be temporarily frozen by the platform.

Overdue is not good news for platforms.

As a credit product, the lender needs to repay the reserve on time and in full according to the agreement after applying, otherwise it will affect the credit of the individual, and may leave a bad credit record on the personal credit report, and the platform will take some other measures.

For example, if the reserve fund is overdue, it may also affect the use of other credit products, such as Huabei and borrowing.

In the information age, much information is shared, and overdue can produce a cascade of reactions.

There is no grace period for the reserve, and the lender must repay the credit in a timely manner according to the agreement after using it, even if the repayment is only one or two days late, it may also affect the credit of the lender, which is something that the lender must pay attention to.

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Extended Information: Can I Negotiate If I Have Money to Spend Overdue?

After the money is overdue, the user can choose to negotiate with the money to repay, as for whether the negotiation is successful, it is subject to the answer given by the money flower.

Generally speaking, without a special reason, you will not agree to negotiate repayment with the user.

However, if the user is overdue due to special reasons, such as sudden major illness, disability, unemployment, etc., it is possible to negotiate the repayment successfully.

Therefore, after the money is overdue, what the user needs to do is to inform the money to spend that he is not malicious in repayment, and pay off the overdue arrears as soon as possible.