Does wechat have a "death free gold medal" to avoid being sealed? On May 24, the reporter of Beijing business daily noted that a recent news about the blocking of wechat triggered a heated discussion. Some netizens shared the "method to avoid the blocking of wechat", saying that you only need to borrow 500 yuan in the micro loan and repay it in 20 installments to avoid the blocking of wechat. At most, it will only be blocked for 24 hours and can be used again.
The reporter of Beijing business daily further inquired and found that as early as the beginning of 2020, there was news that the micro signal of micro loan would not be banned. At that time, the rumor also stressed that "after using this method, no matter what content is published, the micro signal will not be banned". The logic of the rumor is that the account cannot be repaid after being sealed. Wechat will ensure that the account can be used normally in order to recover the loan.
In response to this situation, the reporter of Beijing Business Daily also verified with wechat on May 24. Tencent customer service confirmed that "borrowing money can avoid wechat being blocked" is a rumor. Meanwhile, Tencent customer service mentioned that if the login of wechat account is restricted due to violations or other reasons, but the account has change or wealth management common property, users can log in to wechat using common devices, enter the "punishment description page" and click "withdraw property" at the bottom of the page.
In matters related to asset withdrawal or repayment after the seal, users can open the temporary property entrance according to the page prompt and the guidelines, log in to wechat, and carry out operations such as change withdrawal, change transfer out, bank savings transfer out, wealth management asset redemption and micro loan repayment. After the property entrance is opened, it is valid within 48 hours and is limited to property withdrawal or repayment. Other social and payment functions of wechat cannot be used.
In addition, unlike small change withdrawal or asset redemption, which can be completed in a short time, the repayment of micro loan may also involve installment and other issues. For the issue of "effective within 48 hours, i.e. requiring users to repay within 48 hours" pointed out in some media reports, and whether the property entrance can be opened repeatedly, the reporter of Beijing Business Daily also made further verification to wechat, but as of the press release, no reply has been received from the other party.
The customer service of micro loan said that after wechat cannot log in, micro loan users can still repay according to the number of periods selected at the time of borrowing. If you can't view the loan related information and enter the repayment interface after wechat is blocked, you need to contact the customer service of micro loan to repay by transfer, or reserve sufficient funds in the repayment and wait for the system to deduct automatically.
Yu Baicheng, President of zero one research institute, pointed out that wechat has relevant regulations on the closure of wechat accounts. First, it interferes with the normal operation of wechat and infringes on the legitimate rights and interests of other users or third parties, such as publishing illegal information such as fraud; Second, it violates the use specifications of wechat software, such as interfering with wechat data.
"If you violate the above provisions, it should be invalid to use some so-called methods to avoid being blocked. For example, the micro loan loan through wechat is actually the user's loan from wechat bank. Even if the wechat account is blocked, the loan relationship will not disappear, and the user can make repayment through other ways." Yu Baicheng explained.
Su Xiaorui, senior analyst of Analysys financial industry, also stressed that it is reasonable that the relevant situation of users' assets will not be damaged after the social account is banned. The function of social account is to publish content, which has the attribute of information dissemination; The user's asset account has financial attributes. They are independent of each other and correspond to different functions of the platform. It is not logical to directly affect or even determine another function of different types through one function.
In short, the existence of loan relationship is not a "death free gold medal" to avoid the sealing of wechat. If the account violates rules, it still faces the situation of blocking. If there are asset transactions in the account, you can use the self-service portal to carry out relevant operations. In addition to the illegal blocking of wechat account, in the case of actively applying for account cancellation, users also need to complete operations such as account balance withdrawal and loan settlement.
The reporter of Beijing business daily learned that in recent years, with the rise of mobile payment, all kinds of payment wallets have been widely used, and the discussion on their security has also attracted extensive attention. Previously, there were rumors in the market that the assets of wechat account will not be returned after being recovered, which was later refuted by wechat security center.
According to the wechat security center, for wechat accounts that have not been logged in and used for a period of time and have no property, the recycling process will probably be carried out. However, the account will not enter the recovery process as long as it involves the transaction of existing funds, including the storage of change, unfinished transactions, and the setting of automatic fee deduction business. In order to prevent account theft, wechat will open protection for accounts that have not been used for a long time, and users can withdraw cash and other operations after unsealing.
"Whether the account is closed or actively cancelled, the normal personal assets in the user's account should indeed be protected. However, if the assets in the account are illegal income, they may be frozen by the judicial authority." Yu Baicheng said.
Su Xiaorui pointed out that abusing the processing authority of the social account to convert the user's assets into "fines" or direct non refundable behavior has no legal basis and will also infringe on the legitimate rights and interests of the user, which is obviously inconsistent with the factual situation. Users should avoid falling into the trap of rumors in this way.
At the same time, Su Xiaorui reminded that for such rumors involving loans, funds and other aspects, users must be vigilant to avoid "interested people" using relevant false information to carry out fraud activities. If the asset account is frozen or blocked, you should actively contact the official customer service for handling. Don't trust the so-called "unsealing channel" provided by strangers to avoid causing your own capital loss.