What should I do if the reserve fund is overdue? What will be the consequences?

Consequences of the overdue reserve fund: the reserve fund cannot be used again. After the expiration, everyone only needs to make timely repayment operations; it affects Zhima Credit. Although the reserve fund is not connected to the central bank's credit system, it is overdue. It will still be reflected in Alipay's Sesame Credit Score; in addition, it will affect members and may lower their membership level. "Backup" is a function of Alipay, with a maximum limit of 500 yuan. Nowadays, reserve funds are a popular loan product among many young people. Many users may feel that the reserve fund, which is only a few hundred yuan, is not worth mentioning, but for users who need it, the reserve fund may be a good emergency tool. Consequences of an overdue reserve fund: 1. The reserve fund cannot be used again. After the reserve fund is overdue, you cannot use the reserve fund again. You can only use it again after you pay the outstanding amount. At present, there are no relevant penalty regulations on the Alipay reserve fund overdue platform. After all, the maximum limit at one time is 500 yuan. After the expiration, everyone only needs to make timely repayment operations. 2. Impact on Zhima Credit Although the reserve funds are not connected to the central bank’s credit reporting system, overdue payments will still be reflected in Alipay’s Zhima Credit Score. Some users said that as long as the credit report is not on the credit report, it will be fine. However, many online loans now require authorization of Zhima points. It is difficult to get a loan if the credit score is low. Moreover, many businesses in Alipay also depend on Zhima points, so don’t let your Zhima points be lowered just because of 500 yuan. Nowadays, the review of Zhima points is much stricter, and it often happens that the points are not increased. 3. Lower the membership level. To open an Alipay reserve fund, you need a sesame score of more than 650, and the other is a gold member. If the reserve fund is not repaid, it will also affect the member and may reduce the membership level. Then you can only earn points through shopping, living expenses, and financial management, thereby improving your Alipay membership level.