Provide lending services for JD Gold Bars. Currently, Bank of Xi’an Co., Ltd. mainly provides lending services for JD.com’s gold bars. Therefore, Bank of Xi'an Co., Ltd. will be shown in the credit investigation of users who borrow JD gold bars. Please note that both normal loan records and overdue loan records will be uploaded to the credit investigation. Users who use gold bars should repay on time to avoid affecting their personal credit score. JD Gold Bar, a product of JD Finance, was launched in March 2016. It is mainly a cash lending service tailored for users with good credit, and can support a withdrawal limit of up to 200,000 yuan. JD Gold and Silver has the characteristics of online loans, no collateral, real-time batches, and fast collection. It can also meet users’ cash needs in various scenarios.
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1. Jingdong gold bars do not require mortgage. You can easily borrow money by binding stored-value cards and credit cards; online loans, you can get them after completing all the processes online; real-time batches and fast arrival. Funds typically arrive within 5-15 minutes of submitting your loan application. The specific arrival time is subject to the arrival of the beneficiary bank's bank card. Moreover, Jingdong gold bars can be borrowed and repaid at any time, can be repaid in advance, and can also be divided into different repayment periods such as 1, 3, 6, and 12 periods; interest is calculated on a daily basis.
2. Not everyone has the right to borrow gold bars, and the amount of money borrowed by everyone is different. Generally speaking, talents who often have good online shopping, financial management and reputation in JD.com have this qualification. So how do you know whether you are qualified to open gold bars? We can open the "JD Finance" official website on the computer web page. After logging in with a JD account, click "My Assets"_"My White Banknotes" in the upper right corner of this page. How to display the number of available gold bars on the white banknotes page means that the account has the qualifications to open gold bars; next, go to JD Finance on the mobile phone The APP opens. Find the "white strip" at the top of the app's homepage, and then you can see the gold bar service options at the bottom. If it is the first time to open it, click "I want to borrow" and then choose to agree in the pop-up gold bar service agreement; after reading the agreement, click "Activate Now" and the system will verify our identity and mobile phone number. We only need to fill it in as required; after submitting the activation application, the system will generally take a period of time to evaluate it. If our credit status is good, we can generally apply. The system will display our current limit for today, and then set today’s payment password.