The reserve has been returned, why can t it be used again?

ReservesIf it is not available, it may be due to the following reasons:

1. You can withdraw the reserve fund twice a month, if you have used it twice in the current month, you can't take it again, it is recommended to try again next month;

2. The account status is abnormal, and the reserve fund cannot be accessed temporarily;

3. At present, there is a reserve fund that has not been returned within the time limit, and try again after returning;

4. The daily quota is limited, if the quota has been used up on the same day, please apply again tomorrow.

Quota management of the reserve fund:

After the borrowing department spends the reserve fund according to the prescribed expenditure range, it shall reimburse the finance and accounting department with the relevant expenditure vouchers, and the finance and accounting department shall pay the cash in full so that the reserve fund is still consistent with the fixed amount.

Generally, the method of fixed amount management is implemented for the small amount of imprest used for expenses; The reserve fund used for the sale of change shall be approved according to the business counter group and allocated in cash. Each cabinet group can often retain the approved change from the sales proceeds, and there is no problem of expenditure and reimbursement.

After the user repays, each time the user uses the reserve fund, it needs to pass the system review, and if it does not pass the review, the reserve fund cannot be used.

When users use the reserve to pay, some orders are indeed unable to be paid with the reserve.

The user can try to pay for other orders, if the payment of other orders is successful, it means that the reserve fund can still be used normally, but the previous order cannot be paid with the reserve money.

If the user fails to pay for other orders, the user's reserve fund is already unavailable, please continue to accumulate a good credit history, so as to improve the probability of passing the system's loan review.

As long as the user maintains a good credit record and WeChat usage record, the follow-up reserve fund can be restored.

If the online loan is overdue and has not been repaid, and it has been collected, you can obtain a big data report in the "Beijian Quick Check", check your overdue records, and classify your online loans, formal and informal, and those on credit and those on non-credit information. If you want to repay the money but don't have enough funds, then negotiate with the online loan platform and give priority to the regular credit investigation to reduce the impact on yourself.

Extended Information: Why does Reserve 500 become 100?

The reserve fund of 500 becomes 100, indicating that the user's comprehensive credit score has decreased and the personal credit qualification conditions have deteriorated, so the system has lowered the borrowing limit of the reserve.

After the quota is lowered, it will not affect the normal use of the reserve fund by users.

As long as you maintain a good credit history and a repayment history, the reduced amount can be restored later.

The maximum borrowing amount of the reserve fund is 500, and when the limit is only 100, then there is still room to increase the limit.

The limit is already 500, and the amount will not be raised in the future, and the user maintains a good credit profile, which is conducive to maintaining the highest borrowing amount.

The system will evaluate the user's reserve fund account from time to time, and the borrowing amount of the reserve fund may also be temporarily adjusted.

The feature of the temporary adjustment is that after the quota is increased or decreased, the quota will return to the previous state in a few days.

As long as there is a quota of the reserve, the user can continue to use it.

Since the reserve itself is a small loan, the amount is reduced, and it is not difficult to restore the amount.

Maybe in the short term, the reserve fund will not cause serious consequences, but now Alipay adopts the method of automatic evaluation by the system, once there is a default, the account risk will increase, which directly affects the use of some functions, maybe you will find that the same credit product, why others can open it, they have no limit, may be caused by overdue.

The main aspects are as follows:

1. Account reputation.

Maybe in the short term, the reserve fund will not cause serious consequences, but now Alipay adopts the method of automatic evaluation by the system, once there is a default, the account risk will increase, which directly affects the use of some functions, maybe you will find that the same credit product, why others can open it, they have no limit, may be caused by overdue.

2. Negative records.

Once the reserve fund is not repaid, the negative record of Sesame Credit will leave an overdue record, which can only be eliminated in time after repayment, otherwise it will not be able to apply for other businesses.

3. Freezing. Alipay's customer service made it clear that once the reserve is repaid late, the right to use it may be frozen, so you will find that the reserve fund is suddenly unusable, and even if you pay off the arrears, you may not be able to open the reserve.

4. Credit investigation. Regarding whether it will be on the credit report, it is the focus of many users' most attention, Xi Caijun specifically consulted Alipay customer service, and the staff said so, the reserve fund, there may be a credit report in the future, and it will be informed in advance.

To sum up, the reserve is a conscience product, although the amount is low, it is still very convenient for people who need money urgently, once it is overdue, it will affect the sesame points and credit records, and the gains outweigh the losses.

Further information: Imprest (also known as tentative amount in the world) is the amount allocated by enterprises, agencies, institutions or other economic organizations to internal units or staff members that are not independently accounted for for travel expenses, sporadic purchases, sporadic expenses, 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. Reserves for travel expenses, sporadic purchases, etc., which are advanced for travel expenses, are generally collected according to the estimated amount needed, and are reimbursed once after being disbursed, and the excess is refunded and the deficiency is compensated.

If the previous account is not settled, no advance shall be made. With regard to the reserve fund for sporadic expenses, the "reserve fund system" can be implemented, that is, the designated person in charge of the reserve fund shall receive the reserve fund according to the prescribed amount, and after the expenditure is disbursed, it will be reimbursed in accordance with the prescribed procedures to make up the original fixed amount.

After the Alipay reserve fund is repaid, if the quota is restored immediately, the customer can naturally apply for the quota to be lent out immediately. If the limit is not restored in real time, and there is no borrowing limit in the current account, the customer will naturally not be able to apply for a loan, and can only accumulate good credit in the follow-up and wait patiently for the system to restore the quota before borrowing.

Under normal circumstances, as long as the customer repays the loan on time within the specified repayment period, the amount can generally be restored in real time.

[Apple 7plus, Alipay.]

There are two types of reserve repayments, which can be made automatically or manually.

The first is automatic repayment, generally 7 days after borrowing (excluding the day of borrowing), at 13:00 on the day of repayment, the system will automatically deduct from the Alipay balance, bank account or Yuebao, so to ensure that the funds in these accounts are sufficient, otherwise it will not be automatically deducted.

The second is manual repayment, you can enter the "reserve" function interface, click the "return" button will appear after the "pay" button, click to repay.

Extended information] 1. What is a reserve?

The reserve fund is a short-term loan of Alipay but the amount is only 500, the loan period is 7 days, there is no interest and handling fee during the loan period (7 days including 7 days), you can access it 2 times a month, only suitable for short-term turnover, and it is not much help for investment and borrowing, because the amount is small. However, if the Alipay reserve fund is not used, it will not have any impact, and the use of the reserve fund will not be on the credit investigation and does not require interest. Users who participate in the reserve fund activity need to meet the requirements of 650 Ant Points and above, and the membership level is ** and above, otherwise they cannot participate.

2. How to turn off the use of reserve funds?

At present, the reserve fund is in the trial operation stage, the product function is not perfect, it cannot be closed directly for the time being, and it will not have any impact if it is not used after opening, so it can be used directly, and there is no need to close it deliberately.

However, it is possible to achieve a certain closure effect by canceling authorization, specific steps:

Open Alipay and click [Sesame Credit] to see if you still meet the 650 point requirement, so as not to affect the re-opening and use in the future.

Click [Revoke Authorization] to cancel the relevant authorization, and when you apply for the reserve fund again, you must re-open the authorization to be valid.

3. What will be the impact of not repaying the reserve for one month?

1.Account reputation, in the short term, the reserve will not cause serious consequences, but now Alipay adopts the method of automatic evaluation of the system, once there is a default, the risk of the account will increase, which directly affects the use of some functions, and it will be found that the same credit product, why others can open it, but they do not have a limit, this is likely to be caused by overdue.

2.Negative record, once the reserve fund is not repaid, the negative record of Sesame Credit will leave an overdue record, which can only be eliminated after repayment, otherwise you cannot apply for other businesses.

3.Freeze the reserve, Alipay customer service said that once the reserve is repaid late, it may be frozen to use the permission, so it will suddenly be found that the reserve cannot be used, even if the arrears are paid off, it may not be possible to open the reserve.

In the event that the credit card reserve cannot be repaid, it is best for the customer to repay as much as possible first. For the part that cannot be repaid, it is recommended that the customer take the initiative to contact the bank's customer service for consultation, and try to apply for an extension of the repayment period and repay the arrears in installments. As long as the customer clearly states that he or she is temporarily unable to repay the loan, indicates that he has no intention of repaying, and provides the corresponding supporting materials to express his willingness to actively repay the loan, the bank will generally consider it as appropriate.

Then credit card reserves.

What if you can't pay it back? The following knowledge has been collated.

1.What should I do if I can't afford to pay my credit card reserve?

1.In the event that the credit card reserve cannot be repaid, it is best for the customer to repay it as much as possible. For the part that cannot be repaid, it is recommended that the customer take the initiative to contact the bank's customer service for negotiation, and try to apply for an extension of the repayment period and repay the arrears in installments.

As long as the customer clearly states that he does not have sufficient repayment ability for the time being, indicates that he has not deliberately repaid the debt, provides corresponding supporting materials, and expresses his willingness to actively repay the debt, the bank will generally consider it at its discretion.

2.If you can say yes, the customer can then negotiate a new repayment plan with the bank, and then repay the loan on time and on time according to the new plan. If the bank ultimately disagrees, the customer can only find other ways to raise money, such as trying to borrow money from relatives and friends.

Put the money away and pay it back to the bank first, and then you can negotiate the repayment time for the arrears of relatives and friends, and then repay it in time when you have money.

Be careful not to evade direct repayment, otherwise the bank will not respond to repeated reminders, and even people may sue the customer. If you need a lawyer to intervene, you can consult a professional lawyer from China Legal Network.

2. What are the consequences of overdue credit card reserves?

If the credit card reserve is overdue, the following consequences will occur: after the overdue is overdue, it will be difficult to handle the credit business in the follow-up after recording the overdue record; Overdue interest is calculated from the overdue date; The bank will send text messages to collect; If the overdue amount is large or the overdue period exceeds 3 months, the bank may sue the user.

For users, the consequences of overdue credit card reserves are quite severe. It is best for users to repay their loans on time and actively maintain their credit.

3.How long does it take for a credit card to be overdue on a credit report.

If the cardholder does not repay the credit card on time on the repayment date, it is overdue, but the bank will give the cardholder a grace period, which is usually three days. Paying off the current bill within the grace period will not affect the overdue credit report. Once the loan has not been repaid after the grace period, the bank will upload the overdue record to the credit information system.

In the event that the credit card reserve cannot be repaid, it is best for the customer to repay as much as possible first. For the part that cannot be repaid, it is recommended that the customer take the initiative to contact the bank's customer service for consultation, and try to apply for an extension of the repayment period and repay the arrears in installments. As long as the customer clearly states that he or she is temporarily unable to repay the loan, indicates that he has no intention of repaying, and provides the corresponding supporting materials to express his willingness to actively repay the loan, the bank will generally consider it as appropriate.

If you have any other questions, you can consult the creditor's rights and debts.

Lawyers, they will give you professional advice.

Alipay Reserve is a small short-term loan product, which can solve the user's small emergency consumption needs, with three limits: 100 yuan, 200 yuan, and 500 yuan, which are subject to the actual display on the page; There is no limit to the number of withdrawals, and the next one can only be accessed after each return, and the period of each transaction is 7 days.

In [Alipay] - [My] - [Balance], you can find the [Reserve] entrance; If there is no entrance, it means that you cannot open the reserve fund temporarily.

Whether the reserve can be opened is the result of the comprehensive evaluation of the system, and there is no absolute relationship with the sesame score, and it cannot be intervened manually. If you are unable to open a reserve fund, it is recommended that you maintain good credit and account activity and wait for the system to evaluate from time to time.

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This is provided by Kangbo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. Hope this helps.