(note: this paper provides only a flow description of the consumption functions that are visible to some users and does not provide extension guidance. Borrowing needs to be prudent and overdue to affect personal credit
(statement: the text is time-bound and is subject to the latest official guidelines
I. Product positioning of the micro-credit reserve
The micro-intelligence reserve (some of which is shown as “we2000” or “we-intelligence imprest”) is a revolving line product launched jointly by microbank and micro-intelligence payments to provide short-term, small-scale liquidity services to users. Its core features include:
: usually within 2000 letters of credit to meet emergency requirements for daily consumption scenarios。
: interest arises only when actual usage is made, and the unused portion is not charged。
: directly used in the micro-credit payment scenario, supporting red bags, transfers, bottom sweeps, etc。
It should be noted that the reserve is not a “free-of-charge line” and is essentially a credit product that requires repayment on schedule. Therefore, before activation, users should fully assess their own repayment capacity and avoid over-lending。
Ii. Activating premises: meeting basic conditions
Not all micro-credit users can activate the reserve directly, and the platform assesses user qualifications through multi-dimensional data. The following are common conditions for activation:
1. Real name certification and age requirements
Verbal authentication is required and personal bank cards are bound。
You are usually 18 years of age (some channels show 23 years of age), depending on the page reference。
Micro-credit payments must reach a certain score (usually more than 550, the higher the pass rate)。
Data such as historical lending records, consumer behaviour, etc. Can influence the delivery of letters。
The long-unused micro-intelligence account may not be validated and it is recommended to remain active。
Open the mail and click "i" on the bottom right corner to "service" to "portal"。
In the wallet page, search for the “imprest” or “we2000” portal。
Open the mail and click "i" on the bottom right corner to "service" to "portal"。
In the wallet page, search for the “imprest” or “we2000” portal。
: an attempt may be made to search the “we2000 microbank” sub-procedure via micro-mail for prompt applications, due to uninvited or inconsistent qualifications。
After clicking on "step up", the system requires additional personal information, including:
Agree to the agreement and submit the application。
After clicking on "step up", the system requires additional personal information, including:
Photos of identity cards on both sides (need to be clearly identifiable)。
Bank card number (required to correspond to the name of the bank)。
Vocational information, contact information, etc。
Agree to the agreement and submit the application。
The review is usually automatic system approval, which lasts approximately 5-10 minutes。
After clearance, the amount will be shown on the page in real time。
First use requires the setting of payment passwords and confirmation of payment modalities (usually micro-credit balances or binding of bank cards)。
Individual consumption scenarios are restricted and are prohibited for non-consumption areas such as house purchases, investments, repayments, etc。
Fake transactions may not be allowed, otherwise the wind control mechanism may be triggered。
The delay will result in a penalty and affect the credit points and the record of the receipt of letters。
Supports borrowing on a daily basis (the daily rate is normally 0. 04 to 0. 05 per cent, whichever is shown on the page)。
Repayment:
: enter the imprest page and select “immediate repayment”。
: a sufficient amount must be deposited in the micromail wallet in advance and the system will be automatically withheld on the due date。
The delay will result in a penalty and affect the credit points and the record of the receipt of letters。
The level is not fixed and the system regularly assesses the credit status of users, possibly upwards or downwards。
Method of upgrading:
Maintaining micro-credit accounts active and increasing consumption frequency。
Payback on time and build up good credit records。
Additional qualifications (e. G. Property, vehicle information to be submitted through official channels)。
