How long can the reserve fund be used normally after overdue repayment?

Alipay reserve fund may be closed after overdue repayment. Although it can be resumed after repayment, the specific time depends on the overdue time. The shorter the overdue time, the faster the recovery.

1. within 7 days of overdue reserve fund: after receiving the dunning text message or phone call from AliPay, pay off the money in time, with few overdue times. Alipay's account is in good condition, and it is very likely that the use of the reserve fund will return to normal immediately after repayment.

2. The reserve fund is overdue 1 month: this is a serious overdue, and the limit will not be restored immediately after repayment. Usually, you can use Alipay more, spend on platforms such as flower beds and borrowing beds, pay back the money in time, and improve your credit score. It is possible to open the reserve fund again.

3. The reserve fund is overdue for more than 3 months: it is overdue for more than 3 months and cannot be recovered in a short time.

What is Alipay reserve fund?

Alipay reserve fund is a micro-loan product on Alipay, which can only be loaned to 500 yuan at most, mainly to meet the needs of customers to deal with some emergencies. After receiving it, it will be automatically deposited into Alipay's balance account, which is no different from the funds normally recharged in Alipay's balance account, and can be used to purchase goods and manage money.

If the repayment of Alipay's reserve fund exceeds a certain period, the reserve fund may be closed. Although it can be reused after paying back the money, it needs to be determined according to the length of overdue time. If the overdue time is short, the reserve fund can be quickly recovered.