The sudden failure of the reserve fund of Meituan may be due to whether the reserve fund is overdue. Although it is not a problem for some users that the reserve fund is overdue for one day, if it is often overdue for one day, the system will still determine that there is something wrong with your credit and directly close it for you. If the reserve fund is not overdue and cannot be used, it is necessary to consider whether it is overdue. If one of them is overdue, the reserve fund will not be used.

1. Did Meituan borrow money to make a credit report?

Meituan made a loan to the Credit Bureau. If you see "Chongqing three small loan companies" in the credit report, it is true that Meituan borrowed money. In addition, some netizens reported that they only ordered food in the US delegation, but found that there was a record in the inquiry of the credit report, but it was clearly determined that there was no inquiry at all. I don't know why this happened. It is understood that if the user opens "Meituan Payment" to save money on Meituan platform, and then binds the bank card and real-name authentication, the platform will authorize to start inquiring about your credit information, and then evaluate whether to open "borrowing money" service for you. If this is the case, it is suggested that if there is no plan to borrow money from Meituan, other financial businesses should not be authorized to avoid unnecessary troubles and misunderstandings.

Second, how much is the monthly payment of the US delegation?

It is a credit payment product launched by Meituan on May 29th, 2020, which is similar to Baihua and JD.COM Baitiao. Spend it first and return it at the end of the month. According to the official introduction, after the opening, users can use the credit line granted by Meituan Monthly to complete the payment when they consume the App, and then make a unified repayment on the 8th of next month. The longest interest-free period is 38 days. The platform will not charge any fees for timely repayment. At the same time, the monthly payment of Meituan supports deferred repayment of bills and installment repayment of bills, which can be divided into 12 periods at the longest. According to Meituan's monthly credit payment contract, the credit limit refers to the maximum credit limit granted by the service provider to users to use the service according to their comprehensive credit situation.

After the monthly payment of the US Mission is overdue, the penalty interest will be charged on a daily basis, with a daily interest of "fifteen thousand". In other words, it is equivalent to an interest rate of about one year 18%. The customer service said, "Whether overdue will affect the review of loan applications from other channels, please consult other lending institutions for details."