The overdue repayment of 1 occurred during the use of JD.COM gold bars, which will affect the reputation of users and may lead to unsuccessful loans.
2 The risk coefficient is high, and Jingdong Finance has its own risk control system. If the user's current risk coefficient is high and the debt ratio is too high, it will also cause the user to be unable to borrow money after completing the repayment.
3 If the comprehensive score is insufficient, JD.COM Gold Bar will evaluate the users in real time. Once overdue, the user's evaluation is not up to standard, so you can't lend after repayment.
4 Too much debt, too much debt will also lead to the inability to apply for gold bars. For example, the number of loans in the name of individuals is increasing, and the repayment ability of individuals is obviously insufficient.
It should be noted that you must have JD.COM IOUs to apply for JD.COM gold bars, and you must be a JD.COM IOUs user with good credit to apply. In other words, JD.COM Gold Bar is a cash lending service that only JD.COM users with good credit can have. After borrowing gold bars, you must repay them on time or choose to repay them in advance.
Extended data:
How to restore the quota of gold bars in JD.COM?
The premise of borrowing gold bars in JD.COM is that there is enough available quota and the account status is normal. If JD.COM suddenly runs out of gold bars, it will definitely not be able to borrow normally, so we can only wait for the gold bars to recover. However, the number of gold bars is awarded after systematic evaluation. Therefore, the disappearance of the amount is only a temporary situation, and the borrower needs to find the reason to solve the problem before it can recover. Generally speaking, the amount of gold bars will not disappear inexplicably, unless the borrower has overdue and other irregularities in the use process, which will be reflected in the credit report, resulting in the disappearance of users' gold bars. If you want to restore the quota, users must pay off their overdue debts as soon as possible, repair their personal credit and improve their repayment ability before the quota can be restored.
The number of gold bars in JD.COM suddenly disappeared.
It may be because the customer's previous loan repayment was overdue, which affected personal credit, so the small white credit score was reduced. During the comprehensive evaluation, the system found that the customer's credit was faulty, which led to the failure of the evaluation and the system frozen the quota.
1.JD.COM Gold Bar is a product of Jingdong Finance, which was listed in March 2065438+2006. It is mainly a cash loan service customized for users with good credit, which can support a maximum withdrawal amount of 200,000.
Secondly, JD.COM gold bars have the characteristics of online loan, unsecured, real-time batch, fast collection and so on, and can also meet the cash needs of users in various scenarios.
Third, JD.COM gold bars do not need mortgage, just bind stored-value cards and credit cards, and make loans easily; Online loan, all processes can be received after online completion; Real-time approval and quick receipt. Generally, the loan application will be received within 5- 15 minutes after submission. Please refer to the bank card receipt of the receiving bank. Moreover, JD.COM gold bars can be returned as soon as they are borrowed, in advance or in different periods, such as 1.3.6. 12. Interest is calculated on a daily basis, and the loan interest rate range is generally the lowest daily interest rate of 0.025%, and the highest annualized interest rate does not exceed 36%. "White Strip" has also opened up O2O(JD.COM to Home), global purchase and product crowdfunding within the JD.COM system, and then gradually covered the fields of renting, tourism, decoration, education, wedding, etc., extending from credit house purchase service to providing credit consumption loans, covering more consumption scenarios and providing credit consumption services for more consumers.
Four. The service scene of JD.COM Baitiao has been gradually extended, and it has cooperated with nearly 10 million online and offline merchants, covering life and entertainment, business travel, education and training, communication, leasing and other industries. Cooperate with the bank to co-sign the electronic account "White Strip Flash Payment", expand the white strip payment to offline through NFC technology, and further broaden the use scenarios of white strip payment by binding WeChat payment.
In addition to providing convenience for users to pay by installments at will, Baitiao has launched an official creative product store-Time Grocery Store, which adheres to strict aesthetic standards and quality standards, creates and selects various colorful and interesting living objects for users, and establishes a healthy and quality life attitude with young people.
Six, JD.COM white bars bring convenience to users, but also pay great attention to the safety of users being stolen by JD.COM white bars. In the whole process of account login, activation, transaction and information modification, JD.com's Ce Tian decision engine system, Tiandun account security and anti-fraud system and Skynet transaction risk monitoring system conduct background security scanning on each account behavior, calculate in real time, identify malicious behavior and high-risk orders, and get through to the mall distribution system to intercept the last mile high-risk orders. JD.COM white anti-theft brush is a unique advantage in the industry.
What happened when the quota of gold bars in JD.COM disappeared?
JD.COM Gold Bar is a personal consumption loan product launched by JD Finance. Eligible users can borrow different amounts of money from Qiangge, but it is only open to some people because it is in the internal testing stage. Once the application is successful, you can enjoy lower interest than credit card installment, plus a variety of repayment methods, as well as free withdrawal, so what is the lack of gold bars in JD.COM?
1, JD.COM Gold Bar is still in internal testing, and the specific system audit standard is not clear. However, because it is a service specially provided for IOUs, its risk rating standard may refer to data such as consumption records, distribution information, return information and shopping evaluation.
2. If you have opened the JD.COM White Bar and haven't got the gold bar quota, you can get the qualification through continuous credit accumulation, but this process can be summarized by the words "a long way to go".
3. If you want to redeem it, you can use JD.COM IOUs for a long time to accumulate credit and develop good consumption habits, such as paying back on time and buying more wealth management products from Jingdong Finance. In the long run, it is only a matter of time before we want to restore the missing quota.
This is the information I found for you about the missing gold bars in JD.COM. I hope I can help you.
How to restore the quota of gold bars in JD.COM? There will always be a way!
JD.COM Gold Bar is a credit loan of Jingdong Finance, and the loan interest rate is not bad, which attracts many people to borrow money. However, many people in JD.COM suddenly ran out of gold bars and could not borrow money. I want to know how to repair the gold bars in JD.COM. In fact, as long as we find the reason for the lack of places, there will always be a way. Let's briefly introduce it today.
How to restore the quota of gold bars in JD.COM?
The premise for JD.COM Gold Bar to borrow money is that there is enough available quota and the account status is normal. For example, JD.COM suddenly runs out of gold bars, so it is naturally impossible to borrow normally, and we can only wait for the gold bars in JD.COM to recover. However, the amount of gold bars in JD.COM is evaluated irregularly, so the absence of the amount is only temporary, and the borrower needs to find the reason before solving it.
Under normal circumstances, the amount of JD.COM gold bars will not be lost for no reason, which is generally related to two factors, one is the borrower's use record, and the other is the borrower's credit status. For example, it may be loans overdue before JD.COM Gold Bar, or the borrower's capital has deteriorated, the credit record is bad, and the repayment ability is seriously insufficient.
Borrowers can check the previous repayment records in JD.COM Gold Bar to see if there are overdue debts, and if so, pay them off quickly; If you don't check the credit information again and have a bad record, you can pay off the arrears first, which can also improve your repayment ability, so that you can not calculate the overdue interest, and then see if the quota will be thawed.
Note: JD.COM's gold bar quota can be restored through systematic comprehensive evaluation without manual intervention, so don't believe that any so-called spending money can restore the quota, and be careful to be cheated.
The above is the introduction of "How to restore the gold bar quota in JD.COM". COM ",I hope it will help you.