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The author:(作者)归海一刀
published in(发表于) 2014/2/11 9:23:05
Micro red envelope free bank cards there is no timetable for withdrawal，

Micro red envelope free bank cards there is no timetable for withdrawal-micro, and micro-letter caifutong-IT information Micro letter envelopes any bank card is now no timetable

Micro-grab bonus boom Spring Festival in the past, some tied to bank card users pay attention issues, caifutong responded that tiny red team will be launched as soon as possible as you want features such as phone calls, no cards are now filling. Some users noted that the bonus after the release occurred without run out are paid or not, bonus money was left over. Red envelope after the opening, due to the receiving user is not bound in the bank card, not to mention, that money can only stay in the micro-letter envelopes, and cannot be used.

In response, caifutong said that after the Chinese new year starts, micro red envelope team will add features such as cash withdrawal charge phone calls, no cards, free cards, or no bank card users to withdraw cash.

However, these specific launch date has been set. Yesterday, the caifutong public relations people told reporters there was no was informed that further changes in the micro-red product form, but the team is stepping up its products, striving to enable related features on-line as soon as possible.

In addition, those not being withdrawn, opened the red envelope in the amount, nor does "has been reserved for Tencent". If these red envelope has not been withdrawn, red envelopes of money in after 3 days will be returned to the originator's bank account. This money can also be recovered by red envelopes users. Not to run out of red envelopes through "my bank card records-new year's bonus-bonus-bonus issued", "micro-contacts-service-new year's bonus-bonus records-issued red" find two paths.

Expert voices

"No funding should be agreed to terms to return"

AP funds of micro-red precipitate, industry analysts said, because there is no bound bank cards and the deposited funds, single amount may not be much, but it is by no means a small number of the total. To date, Tencent and micro teams did not disclose the specific amounts paid.

Central financial University Law College Professor, and financial Law Institute Director Huang Zhen, expert made has three points recommends: a is on Rob to bonus and is not bound bank card of micro-credit households cannot mention now of funds, should agreed in must time within (as 35 days or a week) returned to original distributed bonus of bank card within; II is as soon as possible announced micro-letter bonus precipitation funds amounts, as soon as possible opened and perfect micro-letter bonus of consumption features; three is agreed returns time within precipitation funds by produces of interest should agreed ownership all, Above shall be prominently prompts and open.

Data

Tencent from new year's Eve to the eighth day of every month, over 8 million users were involved in robbing bonus activity, more than 40 million red envelopes were received. Within each red envelope at 10 Yuan on average.

Alipay Alipay Spring Festival 7 days a purse paid out $ 200 million worth of bonus, PayPal bonus average more than 50 Yuan, the largest amount of bonus up to 190,000 annually.

Because of the PayPal "make a scarce commodity" function is through a PayPal account or with a text message reply: credit card numbers, so there is no micro-bonus funds of precipitation.

微信红包无银行卡提现尚无时间表 - 微信红包,微信,财付通 - IT资讯
微信红包无银行卡提现尚无时间表

春节微信抢红包热潮过去，有些没绑银行卡的用户开始关注提现问题，财付通回应称，微信红包团队将根据需要尽快推出充手机话费、无卡提现等功能。部分用户注意到，一些红包在发放后，出现了无人领取或没有被领完的情况，红包内还剩有资金。还有的红包拆开后，由于领取的用户未绑定银行卡，不能进行提现，这笔钱只能留在微信红包中，无法使用。

对此，财付通称，春节开工后，微信红包开发团队将增加充手机话费、无卡提现等功能，方便没有绑卡，或者没有银行卡的用户提现。

不过，上述功能具体上线时间尚未确定。昨天，财付通公关部人士对记者表示，目前没有获悉微信红包产品形态有进一步变化，但其产品团队正在加紧，争取让相关功能早日上线。

另外，那些没被领走、拆开红包里的金额，也不会“一直留给腾讯”。如果发出的红包一直没有被领走，红包里的钱3天后会退回到发起人的银行账户。这部分资金还可以由发红包用户收回。没领完的红包可以通过“我的银行卡-新年红包-红包记录-发出的红包”、“微信通讯录-服务号-新年红包-红包记录-发出的红包”两条路径找回。

专家声音

“未提现资金应约定期限返还”

据新华社电针对微信红包沉淀资金的问题，业内分析人士表示，那些因为没有绑定银行卡而沉淀下来的资金，单笔来看金额或许不多，但总量绝不是个小数字。到目前为止，腾讯方面和微信支付团队都没有公布具体数额。

中央财经大学法学院教授、金融法研究所所长黄震等专家提出了三点建议：一是对抢到红包而未绑定银行卡的微信用户不能提现的资金，应约定在一定时间内（如三五天或一周）返还到原派发红包的银行卡内；二是尽快公布微信红包沉淀资金数额，尽快开通和完善微信红包的消费功能；三是约定返回时间内沉淀资金所产生的利息应约定权属所有，以上内容均应在醒目位置提示和公开。

数据

腾讯从除夕到初八，超800万用户参与了抢红包活动，超过4000万个红包被领取。平均每个红包在10元内。

支付宝春节7天支付宝钱包共发放了价值2亿元的红包，支付宝红包平均金额超过50元，金额最大的红包达到19万之巨。

由于支付宝“讨彩头”的功能是通过支付宝账户或以短信回复银行卡号，因此并不存在微信红包沉淀资金的问题。

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