With the spread of payment treasures, more and more people are using it for daily consumption, transfers, etc. In addition to the normal account balance, the payment treasure also provides a reserve function that allows users to perform payment operations when the balance is insufficient. However, when the provision is used, do you question whether it can be used more frequently

Can you pay for the reserve more often

First, we need to understand the rationale for the reserve. The reserve is in fact a “temporary borrowing” mechanism, whereby, when a user's account balance is insufficient to complete a payment, the payment will temporarily provide the user with a “borrowing” of not more than $200 and, at a later date, will automatically be withdrawn from the user's tied account. Therefore, the provision is not an “interest-free loan” mechanism, but is to be repaid over a certain period of time。

Next, let's look at the frequency of use of the reserve. There is no strict limit on the number of times a imprest is paid, and the user can use the imprest to complete the payment for a certain period of time. It should be noted, however, that the provision would need to be repaid within a specified time frame. The frequent use of the reserve by the user to pay off the agreed time will affect its personal credit rating and, in turn, its use and credit on platforms such as the payment of treasures。

In addition to the issue of repayment, the use of the reserve may be affected by other factors. For example, the payment will determine whether the user is eligible for the reserve based on a combination of credit ratings and consumption records. If the credit rating of the user is too low or there are other risk behaviours on the payment platform, this may result in the poor use of the reserve function。

The use of the reserve also requires attention to legal and regulatory issues. In accordance with our laws and regulations, the reserve is not a legal currency and there is no exchange, extraction, etc. Users are therefore required to comply with the relevant laws and regulations when using the reserve and to avoid legal risks arising from irregularities。

In general, the provision of the reserve can be used more frequently, but attention needs to be paid to issues such as repayments, credit ratings, laws and regulations. For users, the rational use of the reserve would facilitate the payment operation, but over-reliance on the reserve would have an impact on its credit rating and financial position and would require rational treatment。