1. Personal bad credit: JD.COM IOUs have higher credit requirements for borrowers, and if borrowers are overdue in the process of using loans, the credit limit may be reduced.
2. Unreal information: If the system verifies the information and finds that the information submitted by the borrower is inconsistent with the facts, it will reduce the amount of JD.COM IOUs to avoid the loan risk.
3. High debt ratio: If the system finds that the borrower's current debt ratio has improved, it will reduce the borrower's IOUs to avoid the loan risk.
Extended data
First, the advantages and disadvantages of opening JD.COM White Strip:
(1), advantages
1.JD.COM White note is a credit payment tool. After the successful opening of the business, customers can enjoy the shopping experience of "consumption first, then payment", with the longest 30-day deferred payment period (the full amount will not generate interest during the interest-free period) or the longest 24 installments to meet the customer's consumption needs to the greatest extent.
2. As long as customers make good use of JD.COM IOUs, pay attention to timely repayment and accumulate good consumption and repayment records, it will also help to improve personal credit and provide some help for handling credit business in the future. Customers have a good loan record and can enjoy more financial services.
(2) Disadvantages
Because IOUs can be consumed in advance, it is easy for irrational customers to blindly consume, causing economic burden and increasing personal debt. Moreover, if customers spend too much, their repayment ability is average, and they may also face the situation of being unable to repay, leading to overdue. Once the repayment is overdue, the customer's personal credit will be damaged and the subsequent credit business will be hindered.
2. Can the temporary amount of IOUs be phased?
1.JD.COM The temporary quota of IOUs can be phased in, because the temporary quota of IOUs in JD.COM will directly enter the total amount owed in the current period on the billing date after use, so it is the same as the fixed quota phased policy of IOUs in JD.COM. It is not like a temporary credit card limit, which must be paid off in full when it expires, and cannot be paid in installments.
2. It is precisely because the temporary quota and the fixed quota of JD.COM IOUs are not accounted for separately, and their staging policies are the same, so you can stage the temporary quota as usual.