A positive answer
White bar transactions are restricted because the white bar quota has been used, the use of white bar to produce overdue, the existence of transactions and personal information anomalies, personal qualifications have changed, the system misjudged.
Two, specific analysis
1, the white line quota has been used white line quota can be recycled, after the user uses the white line quota to buy goods, this part of the used quota will be temporarily frozen, until the white line of the repayment of the bill issued, the user to repay the use of the white line of the arrears, the part of the quota can be recycled again the use of the user.
When a user finds that he or she is restricted in the use of a white label, it is likely that the user has not yet repaid the amount of white label credit that he or she has previously used, making it impossible for him or her to continue to use it.
2, the use of white bar produces late white bar is a kind of loan products based on the user's credit level credit, once the user's credit level changes, the white bar system will limit the user to use the white bar for transactions.
If a user is late on a payment and has not yet repaid the amount owed, the system will downgrade the user's credit rating, making it impossible for the user to use the credit line normally.
3, there are transactions and personal information anomalies If the system detects that the user is using the white label to tx
, lending it to others to use or using it in other non-compliant payment scenarios, then in order to avoid the risk, the system of the white label will restrict the user to use the white label.
Similarly, if the system detects that the current user's personal information is inconsistent with that of the application for opening the white bar when the user is using the white bar, then it will also restrict the user's use of the white bar.
4, personal qualifications change if in the process of using the white, the user's assets and liabilities have changed significantly, or the user's current income level can not afford to repay the white bill on time, or even said that the user is in a state of restricted civil capacity or loss of civil capacity, is included in the list of bad faith, then when the white system detects these changes, it will likely be reduced The user may be able to reduce the amount of white label usage or restrict the user from using white label for consumption.
5, the system miscalculation if the above factors are excluded, or the occurrence of the white trade restrictions, it is likely that the system in the monitoring of the account risk of a miscalculation and lead to the user's white account lock.
Accounts locked due to system miscalculation can be appealed to the customer service to produce evidence of safe transactions and no credit problems, and the customer service will unfreeze the account for the user after verification to determine that there is no violation of the account operation.
In order to maintain a good credit history, we also need to pay attention to the situation of their own online credit data, this can be done through the: Bei tip speed check, click on the query, you can see their own online credit data report, in order to always maintain a good credit.
Three, Jingdong white bar repayment can use micro letter?
Jingdong white bar repayment can not use WeChat.
At present, the Jingdong White Bar repayment under Jingdong Finance has not been docked with WeChat, so the Jingdong White Bar repayment can not be paid through WeChat.
Beijingdong white bar repayment support through the Jingdong small treasury, my own savings card, other people's savings card on behalf of the repayment, does not support the use of credit cards, WeChat, Alipay and other ways to repay.
But users can withdraw the balance from WeChat to the savings card bound to their Jingdong account, and then pay the Jingdong White Bar bill through the savings card after the withdrawal is successful.
Users who buy things at Jingdong Mall can pay directly through WeChat, but Jingdong White Bar cannot be paid through WeChat.
Because Jingdong White Bar is a business under Jingdong Finance, and does not belong to Jingdong Mall, Jingdong White Bar is just a payment method of Jingdong Mall, WeChat payment also belongs to a payment method.
Beijingdong Mall supports Jingdong white bar, WeChat and other ways to pay, but Jingdong Finance does not support WeChat payment, so Jingdong white bar can not be paid through WeChat.
What is the reason why the white bar transaction is limited and how to solve itThere are many reasons, and the best way to solve it is to ask the customer service. White bar transactions encountered a single pen limit or single day limit; the transaction order did not pass the system evaluation, does not support the use of white bar payment; white bar overdue lead to the quota is frozen, even if the page has an available quota, the freezing state of the white bar quota is unavailable; the white bar quota has been locked, the locking state of any scenarios can not be used to use the white bar.
Extended information:
Jingdong Finance is the personal finance business brand of Jingdong Digital Technology Group, which has become the personal finance decision-making platform chosen by many users. Jingdong Finance to platform, intelligence, content as the core competence , with banks, insurance companies, fund companies and other nearly 1,000 financial institutions, *** with the user to provide professional, safe personal financial services.
Jingdong Finance has launched nearly 10,000 financial products, including white strips, funds, bank wealth management, small treasury, gold bullion, co-branded small white card, small gold card, etc., covering the four major business segments of wealth management, borrowing and lending, insurance, and installment.
In February 2017, at the opening conference of Jingdong Group, Liu Qiangdong, CEO of Jingdong Group, announced Jingdong's strategy for the next 12 years. In the field of financial business, Liu Qiangdong introduced that in the future, Jingdong Finance will enter the securities, credit, banking, will apply for its own bank or hold a bank. And from the point of view of the objectives of 2017, the payment segment is already in force.
Jingdong Finance has a fund distribution license, insurance brokerage license and insurance agent license, is a licensed distribution platform for funds and insurance products. Currently, nearly 10,000 financial products from nearly 1,000 financial institutions are sold on the Jingdong Financial platform, which truly creates a professional and safe "personal financial decision-making platform" for users, with product categories covering the four major business segments of wealth management, lending, insurance, and installments.
The finance section provides users with many star financial products, including small treasury, bank selection, regular selection, funds, gold, etc. The lending section provides users with personal financial services, including consumer credit, cash loans, bank loans, and other personal financial services, as well as white, co-branded white cards, gold bars and other star financial products; the installment section provides users with a large number of genuine brand-name goods, supporting white, credit cards, The installment section provides users with a huge amount of genuine big brand goods, supporting white strips, credit cards, small treasury and other payment tools and installment methods, creating a zero-threshold/full-installment shopping scenario.
The insurance section provides users with life insurance, property insurance, pension insurance, critical illness insurance, medical insurance, freight insurance, extended warranty and other aspects of insurance and related protection services, and can recommend insurance products for users according to their actual needs.
When using Jingdong white payment, the prompt "transaction exists limitations"
When using Jingdong white payment, the prompt "transaction exists limitations" may be the following situations:
(1) check white If there is any overdue payment, please pay off the outstanding amount first, and then check whether the white bar account has been automatically restored later.
(2) If there is no overdue payment on your White Bullion or Gold Bullion account, but your account is still suspended, the system has detected a security risk on your account and locked it for the safety of your account and funds, so please continue to maintain good consumption and repayment habits.
White Stripes (Jingdong Finance) Credit Payment Service Agreement:
In the process of using the credit payment service, if any of the following circumstances occur, it is agreed that Jingdong Finance, the lender has the right to terminate the provision of services, and all due and outstanding amounts due should be paid immediately, including, but not limited to, the principal amount of the consumption, the instalment service fee, the default penalty, etc.:
(1) Active Close the credit payment service.
(2) Individual Jingdong account is canceled.
(3) ? Fraudulent use of another person's name, theft of another person's account to use the credit payment service.
(4) Violation of the agreement leads to the emergence of the default situation stipulated in Article 5 of this Agreement.
(5) Engaging in consumption behaviors that are considered illegal by judicial or supervisory bodies, or inappropriate consumption behaviors determined by BOCOM or lenders.
(6) In addition to the above reasons, Jingdong Finance and the lenders have the right to suspend (terminate) the provision of credit payment services at any time in accordance with the risks and the needs of their own business operations, and the inability to use the services or the restrictions on the services as a result of such suspension or termination shall not be regarded as a breach of contract on the part of Jingdong Finance and the lenders, and in this case, any payments (including service fees and other charges) shall be deemed to be immediately due and payable immediately.
Reference: Jingdong Finance - White Bar (Jingdong Finance) Credit Payment Service Agreement
Jingdong White Bar transaction is restricted how to liftWhite Bar is a loan payment method launched by Jingdong, the main function is to pay first and then pay, that is to say, when we use the Jingdong to buy goods, it is possible to use the white bar to pay, and then in the repayment period, you can choose to pay in installments very good and convenient. Installment payment is very good to use convenient, then if we are using Jingdong white payment transaction is restricted how to solve?
Jingdong white payment transaction is restricted how to solve
1. White system will detect the type of goods purchased and the transaction environment for evaluation, if the detection of the transaction system does not support the white payment, you can use other payment methods to solve. 2. When there is a restriction on the Jingdong White Bar transaction, test whether some of the virtual goods and cell phone categories, this type does not support the white bar payment. 3. In the Jingdong Mall to buy phone bills and cell phone test, do not need to pay directly, mainly to test some of the normal display of the white bar payment method. 4. If the Jingdong white bar display above are not supported, then you can only choose non-flash payment, non-virtual goods, non-mobile phone categories under the order. 5. If the Jingdong White Bar payment is restricted because of the previous loan overdue situation, personal credit deterioration caused, then to lift the restrictions, you have to pay off all the overdue debts, and then cultivate their credit. 6. If it is because of the risky operation of changing devices, modifying cell phone numbers, bank card numbers, and other account information, and the low security factor of the account, the user must pay attention to avoid this type of operation in the future, and must wait for the system to detect the risk of the past, in order to lift the restriction. 7. And if the system is suspected of being stolen brush transactions are limited, you must provide the most recent transaction details, and improve the security index of the account, and so the system audit is completed, it will be lifted restrictions. The above is the Jingdong white payment transaction is restricted how to solve the method, I hope it can help you.