If the gold bars stop because of the platform, they will generally be restored soon, and they will be restored in two or three days.
When will the gold bars be restored after they are borrowed? Mainly depends on the specific reasons why they can't borrow it. If it is the borrower's personal reasons, the time may be uncertain, ranging from a few days to several months. You can call the official customer service phone to consult the actual situation.
Personal conditions do not meet the requirements for registration. Every application for JD.COM gold bars must be reviewed. If the current personal conditions do not meet the application conditions, you will not be able to lend money. There are outstanding debts. If you have used JD.COM gold bars before, you can't borrow them again.
Extended data:
The use of JD.COM gold bars is introduced as follows:
Gold bars are credit loan products, and whether they can be opened is comprehensively evaluated by the system. At present, active application for opening is not supported. You can check whether there are gold bars at the following two entrances. If not, it means that gold bars can't be used now.
If you find yourself with loans overdue, overdue credit card or overdue application materials, you must correct your mistakes immediately, pay off your debts as soon as possible, or update your application materials. After discovering and correcting their own problems, what everyone needs to do is to improve the comprehensive signal score.
If the application fails, how long can I reapply for JD.COM gold bars?
If the application fails, JD.COM Gold Bar can usually apply again after one month. In fact, after JD.COM Gold Bar failed to apply, the borrower should know what caused it, and then correct it before passing the next application. Because every time you apply for JD.COM Gold Bar, you will evaluate the borrower's comprehensive credit, and you can only borrow if you pass it.
JD.COM gold bar application failed: 1. The borrower's credit information is poor, and there is no way to change this reason; 2. Users frequently return goods and exchange goods when shopping in JD.COM Mall, which is recognized as abnormal by the system; 3. The income certificate submitted by the user is too low, and the platform thinks that the user has no repayment ability after borrowing.
Users want to borrow money from JD.COM Gold Bar so that they can shop in JD.COM Mall and open JD.COM White Bar. There is also the purchase of wealth management products of Jingdong Finance. The more wealth management products users buy, the better their financial resources, and the subsequent application for loans from JD.COM Gold Bar will be easy to pass.
Users must repay the loan on time after borrowing from JD.COM Gold Bar, and there can be no overdue repayment, because there will be penalty interest after overdue repayment, and the longer it is delayed, the more penalty interest will be generated. Moreover, overdue repayment is based on the credit information at the meeting, which will affect the handling of various loans, such as mortgage or car loan.
Gold bars are temporarily out of service. How long will it take to recover?
There is no fixed time, it may resume in 2 hours, it may resume in 2 days, or it may not resume permanently, depending on why it stopped. If the gold bars are frozen or stopped due to overdue payment, the circumstances are relatively minor. If it is not recovered after 2 hours, it means that your account has not passed the comprehensive evaluation of the system for the time being. It is recommended to keep the consumption record and repayment record.
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. [1]JD.COM gold bars have the characteristics of online loan, no mortgage, real-time batch and quick arrival, which is an extension of scene use and can also meet the cash needs of users in various scenarios.
JD.COM gold bars do not need mortgage, just bind stored-value cards and credit cards, and easily borrow money; 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 you borrow them, in advance, or in different periods such as 1, 3, 6, 12. Interest is calculated by the day.
JD.COM gold bars:
The loan amount is 50,000-200,000 yuan, which is borrowed from 500 yuan.
Ants borrow Bai:
Line 1 ~ 200,000 yuan, loan1yuan, up to 200,000 yuan. The quota selection is more flexible.
In this range, the maximum dosage of each person is different.
For example, the maximum monthly loan amount of JD.COM Gold Bar and Ant Financial Service is 9,000 yuan and 20,000 yuan respectively.
Temporary storage period:
Ants borrow Bai:
There are two segmentation options: 6, 12 months (cycle).
JD.COM gold bars:
There are four staging options: 1, 3, 6, 12 months (period).
JD.COM gold bars are more flexible in the choice of installment period.
Repayment method:
JD.COM gold bars:
Equal monthly payment: the repayment amount of each installment is the same.
Monthly payment = (loan principal ÷ repayment months)+(loan principal-accumulated repaid principal) × monthly interest rate.
Monthly repayable principal = loan principal ÷ repayment months.
Monthly interest rate = daily interest rate × days of this month
For example, in May of 16, the baby borrowed 500 yuan from JD.COM Gold Bar in three installments (months) with a daily interest rate of 0.05%.
June 16, the first repayment date, how much is the monthly repayment to the baby?
Monthly interest rate =0.05% x32= 1.6%
(May is 3 1 day, and JD.COM gold bars pay interest immediately, so the interest-bearing date is 32 days).
Monthly principal repayment =500÷3= 166.66
Payment for the first month = (500 ÷ 3)+(500-0) ×1.6% =174.66.
July 16, the first repayment date. How much is the monthly repayment to the baby?
Monthly interest rate =0.05x30= 1.5%
(June 30th, value date 30 days)
Monthly payment =166.66+(500-166.66) ×1.5% =171.66.
June 16, the first repayment date, how much is the monthly repayment to the baby?
The monthly interest rate of the third month =0.05x3 1= 1.55%.
(July is 3 1 day, and the value date is 3 1 day)
Last monthly payment =166.66+(500-166.66-166.66) ×1.55% =169.25.
Total repayment amount =174.66+171.66+169.25 = 515.57.
Interest of 15.57 was generated in this process.
Borrowing process:
1.JD.COM gold bars
Non-white users
Follow the prompts on the page: real-name authentication → add a bank card → improve the address information.
White strip user
You only need to authenticate with the verification code.
The loan was received within 30 minutes.
Activate the white note → inquire about the credit limit → fill in the loan amount → fill in the ID number → verify by mobile phone → get the loan.
Ants borrow Bai:
Complete the loan process within 2 hours:
Check the line → fill in the information → fill in the verification code → the loan is received.
In fact, my loans, such as JD.COM Gold Bar and Ant Loan, all arrive in 10 minutes, so the arrival time is almost the same, and they can all arrive in real time quickly.
JD.COM gold bars can't borrow money. When can they be restored?
When borrowing gold bars, the system will comprehensively evaluate your information. If you can't borrow money, it means that your information has not passed the comprehensive evaluation of the system for the time being. I suggest you keep good consumption habits, pay back in time, and try to borrow again after one month.
If the gold bar fails this time, I suggest you try to borrow again after 30 days, and don't operate frequently.
Every gold bar loan application will be approved in real time according to your current and historical credit performance (manual customer service can't interfere with the loan review), so there may be cases where you can borrow before, but you can't get the loan this time.
Gold bars belong to the credit consumption loan business, and there will be more reference information. In addition to your borrowing and consumption habits, do you borrow more than your repayment ability, whether it is overdue, etc. , you will also refer to your credit report information. If there are many loan institutions and loan amounts in your credit report, it may also have an impact. I suggest you pay attention to it later.
The gold bar prompts "I can't serve you for the time being", and there are two situations:
1. When you borrow gold bars, you are prompted that "gold bar service is temporarily unavailable" because every gold bar loan application will be approved in real time according to your current and historical credit performance (the manual customer service can't interfere with the loan review), so there may be situations where you can borrow it before, but you can't borrow it this time. It is recommended that you keep good borrowing and consumption habits, and don't borrow beyond your repayment ability, overdue or use it illegally. The system will review your situation irregularly. You can try again in 30 days.
2. When activating the gold bar, you will be prompted "I can't provide you with gold bar service for the time being", which means that your information has not passed the comprehensive evaluation of the system for the time being and you can't use the gold bar for the time being. I suggest you keep good consumption habits and keep paying attention. Thanks for your support and understanding.
It should be noted that if you want to handle JD.COM gold bars, you can open JD.COM white bars first. After using JD.COM White Bar, users with good credit will be invited to open JD.COM Gold Bar. In addition, users can use JD.COM Mall for more shopping and use JD Finance to purchase other wealth management products or insurance. In other words, JD.COM gold bars cannot be activated by themselves, and the system needs to activate them according to the user's qualification. The activation qualification of JD.COM gold bars is determined by the system, and manual intervention is impossible, so don't trust the so-called special opening channels on the Internet to avoid being deceived, because the activation qualification of JD.COM gold bars can't be obtained in a day or two.