How did Alipay reserve fund disappear after repayment?

Why did Alipay reserve fund suddenly close? Maybe these are the reasons!

In recent days, some borrowers have been consulting, saying that their reserve fund was used well, but it was suddenly blocked, and now it is no longer used. I don't know what's going on. According to the experience of netizens, this paper summarizes several main reasons, hoping to help everyone.

1, sesame seed change

Because there are clear provisions in the opening conditions of Alipay reserve fund, it is difficult to apply for a score below 650, which may lead to a sharp drop in sesame scores during use. If the score is lower than this, the reserve fund will be closed. You can check Alipay sesame score and negative record.

Inquiry portal: Alipay APP- My-Sesame Credit-Credit Guard to see if there is any breach of contract.

2. routine

The reserve fund has been online for more than half a year, and it was the promotion period before, so the threshold for opening is very low, and most people have the opportunity to try it out. After a period of time, many people start not paying back their money or paying TX. Alipay will take measures to freeze and close the quota for some users with high account risks.

3. Utilization rate

At present, Alipay's credit line is very tight, and all expenses, such as spending money, borrowing money, online business loans, and reserve funds, will give priority to high-quality active users. If you have a credit line but have never used it, you usually have no spending power and you may be on the closed list.

4. expired

Although once the reserve fund is overdue, the right to use it will be closed immediately, but most of the people who are trapped are repaying normally and there is no breach of contract. It may be that the products such as flowers, loans and online business loans are overdue. You can check them.

5, convulsions

Alipay's system will be evaluated irregularly, and sometimes it will detect that your account is temporarily unqualified, so don't worry too much, it will be opened naturally after a while.

6. High risk

If you change your mobile phone number, change your bank card, log in from different places, log in with common equipment, change your payment password, and lower your security level, credit products (flower buds, loan banks, online business loans, and petty cash) will "respond" at the first time, so petty cash can't be used suddenly. These may be the reasons, just wait for a few days for normal operation.

Why is Alipay's reserve fund suddenly gone? This reason many people didn't expect!

For many Alipay users, they already have a reserve fund. However, a friend suddenly found that his original Alipay reserve fund was gone. Everyone especially wants to know how the Alipay reserve fund suddenly disappeared. Here, let me tell you why.

The credit line of Alipay reserve fund is determined according to the borrower's comprehensive credit, and will be adjusted irregularly according to the evaluation results. If the borrower fails to meet the credit standard in the comprehensive credit evaluation, the account will be closed.

There are many reasons why the borrower's comprehensive credit can't meet the conditions for the use of Alipay reserve, such as:

1. The last time you used Alipay reserve, you didn't repay it in full and on time, but it was seriously overdue.

2. You have a bad online shopping record and a bad credit lease record, which has caused a negative record for your sesame credit.

3. loans overdue occurs in other financial institutions, and the credit card is overdue.

4. Alipay-certified personal data has expired, such as ID card.

5. Alipay account is detected to be risky and may be stolen.

exceptional case

Your Alipay reserve fund suddenly disappeared, or you may have accidentally closed the Alipay reserve fund. In some cases, the Alipay reserve fund may not be reactivated soon after it is actively closed.

Above, I answered the question of how the Alipay reserve fund suddenly disappeared. In short, the main reason for this result is that everyone's comprehensive credit score does not meet the conditions for use.

Why can't the reserve fund be used after it has been paid back?

Judging from past cases, there are four main reasons why Alipay reserve fund cannot be used after repayment:

1, the number exceeds the limit.

According to the regulations of Alipay, the use of the reserve fund is twice a month. If you use it twice that month, you can't use it again that month, and you have to wait until next month.

2. The account is abnormal

If the borrower's recent use of Alipay is very different from the past and there is an abnormal situation, then the reserve fund will be temporarily unavailable. After all, Alipay should ensure that its loans are safe enough.

3. It has expired.

At present, the use days of Alipay reserve fund are 7 days. If the borrower fails to pay off the debt within a fixed period of time, an overdue record will be generated. After the overdue record appears, the borrower may not be able to use it after repayment.

The quota for that day has been used up.

Because the daily loan amount of Alipay reserve fund is limited, it cannot be used when the loan amount is used up that day. Friends who need a loan need to wait until the next day to apply earlier.

Alipay reserve fund is gone.

Some Alipay users will find that their Alipay reserve fund has suddenly disappeared. This is because Alipay began to carry out comprehensive risk control, and the audit of users was stricter. Therefore, Alipay closed the reserve fund of users who did not meet the credit standards. The reasons that may lead to the disappearance of Alipay reserve fund are as follows:

(1) The user has overdue repayment. If the user has overdue repayment in the process of using Alipay reserve fund before, and fails to repay in full and on time, it is likely that his Alipay reserve fund will disappear. This is because Alipay has strengthened risk control, which has caused more serious consequences for users' overdue repayment behavior.

(2) Sesame credit is reduced. Because Alipay has strengthened risk control, users' sesame credit is more likely to be reduced due to various bad records. If users have bad credit records such as bad online shopping records and bad rental records, it is easy to reduce their sesame credit score, resulting in the disappearance of their Alipay reserve fund.

(3) The risk of users increases. When conducting risk detection on users, if Alipay finds that users face greater risks, it will also lead to the disappearance of users' Alipay reserve fund.

The situations that will increase the risks faced by users include: frequently changing the delivery address, repeatedly unbinding the mobile phone number and bank card, Alipay suddenly logging in from different places, Alipay logging in on other devices, and users illegally swiping tx.

The user's personal authentication data has expired.