1, sesame seed content decreased. One month overdue of the reserve fund will directly affect the sesame credit score, which will lead to a decrease in the sesame credit score and leave a stain on the negative record of sesame credit. In addition, the level of sesame score will affect the use of Alipay's credit products, so I suggest that you don't let sesame score decrease.

The reserve fund has been frozen. Generally speaking, as long as the reserve fund is overdue for more than one week, its use function will be shut down by the system, resulting in the dilemma of repayment but not borrowing money. If it is overdue for more than one month, it will be regarded as a serious breach of contract, and it is difficult to open the reserve fund again in the short term.

3. The use of flower buds and borrowed buds. Alipay's credit products are closely related and will affect each other. Therefore, once the user fails to use the reserve fund, it will lead to the closure of products such as flower buds and borrowing buds. Only after paying off the arrears can its use function be restored.

4. Meet the assembly. Due to the small amount of the reserve, Alipay generally does not take a more radical collection method after the user is overdue, and usually only asks for the arrears by texting or calling.