What are JD gold bars?
What are JD gold bars?
JD Gold Bar is a cash lending service customized by JD Finance for JD users.
If the loan is successful, you can withdraw it to your savings card or your credit card.
Please log in to the JD Finance App, click Homepage - Borrowing - Gold Bar Borrowing Amount - I Want to Borrow - Collection Account, enter the interface for selecting the receiving bank card, and you can view the newly added collections. bank card.
What is the limit of JD Gold Bar?
JD Gold Bar is a cash lending service tailored for JD users.
The credit line can be used directly for cash borrowing.
You can borrow money from a savings card or credit card linked to the account. Borrowing money from a credit card is equivalent to paying back the credit card.
What are JD gold bars?
JD Gold Bar is a cash lending service tailored for JD users.
Currently, gold bars are credit loan products. Whether they can be opened is subject to a comprehensive evaluation by the system. You can check whether there is a word "gold bar" in the following two entrances. If not, it means that you cannot use gold bars now. Currently, active application for activation is not supported.
1. Jingdong Financial APP: Jingdong Financial APP Home Page-Bai Bar-Gold Bar
2. Jingdong APP: Jingdong APP-My-My Wallet-Life Services
Several suggestions to help open gold bars:
1. Keep better JD consumption records;
2. Use more other JD financial products;
In order to ensure the security of your account, you need to fill in the ID number of your account when you borrow money for the first time.
JD Gold Bar is a cash lending service customized by JD Finance for JD users. It can be borrowed to your own debit card or credit card.
Borrowing money from a credit card is equivalent to paying off the credit card.
What are JD Baitiao and JD Gold Bar?
JD Baitiao is a "consume first, pay later" credit payment product launched by JD Finance. It is mainly used for consumption in JD Mall and other scenarios. It is a fixed amount, and some users can withdraw cash.
JD Gold Bar is a cash lending service tailored for JD users, which can be withdrawn.
Why is there no Jingdong gold bar entrance after repaying it?
Every time you borrow money, the system will conduct a comprehensive evaluation of your information. If you do not have a gold bar entrance, it means that you The information has temporarily failed to pass the comprehensive evaluation of the system. It is recommended that you maintain good consumption habits, make timely repayments, and continue to pay attention in the future.
What is the borrowing method of JD gold bars?
JD gold bars currently only support borrowing on mobile phones. You can use JD Finance App and JD App.
You can log in to the JD Finance App, click Home Page - Borrow Money - Gold Bar Borrowing Amount - I Want to Borrow and follow the page prompts to apply for a loan.
What is the payment password of JD gold bars?
In order to ensure the security of the funds in your JD account, the payment password that needs to be verified when using the gold bar business is the gold bar payment password.
Warm reminder: The gold bar payment password is the JD.com payment password, which is also the same as the Baitiao payment password.
If you forget your payment password, you can retrieve your payment password through JD Finance App-Me-Set icon in the upper left corner-Account and Security-Payment Password. What are Jingdong gold bars?
JD Gold Bar is an online cash lending service customized by JD Finance for JD users. Compared with those online loan platforms, it is much more reliable. After all, JD is also one of the top e-commerce groups in the country. Therefore, JD.com’s gold bars are definitely legitimate.
1. The loan limit for JD gold bars starts from 500 yuan and can reach up to 200,000 yuan. The system will grant a certain loan limit based on the borrower’s personal credit report, ID card information, etc.
The maximum loan period is 12 months, and the daily interest rate is 0.04~0.05. If you are a user who frequently uses JD products, it is easier to activate it. In addition, JD Finance needs to submit a credit report because its funds come from cooperative banks. If JD Gold Bars are not repaid on time, it will also affect your personal credit record. Generally, after the loan is successful, the money will be transferred directly to the personal bank card. Remember to pay off the current bill before the monthly repayment date. If there is overdue repayment, a certain amount of liquidated damages will be charged according to the loan order contract.
2. JD Gold Bar Borrowing Steps: Log in to the JD Financial App and register, then click on the JD Financial App homepage - Baitiao - Gold Bar, then you can borrow money; you can also use the JD APP: Log in to the JD App, Click My - My Wallet - Gold Bars - I Want to Borrow.
Operating environment:
Brand model: iPhone13
System version: iOS15.0
App version: 10.3.0
3. Jingdong gold bars are credit loans. Only users with good credit can borrow money. If you cannot apply for a Jingdong gold bar loan or there is no Jingdong gold bar entrance, it means that the borrower's information has temporarily failed to pass the system evaluation and you cannot use Jingdong gold bars to borrow money. , you can continue to try after a while. ?
4. When users use Jingdong gold bars to borrow money, they can repay it in different installments. The supported installments are 1, 3, 6, and 12 installments. One installment is one month, and the maximum number of installments is 1 month. Long term 12 is 12 months. After the user submits the loan application, the loan will generally arrive within 30 minutes. In some cases, staff will communicate with the borrower over the phone for review, which may take longer.
5. When using Jingdong Gold Bar Loan, you can borrow up to 200,000, and the daily borrowing interest rate is as low as 0.025. When handling installments, flexible installments are supported on a daily and monthly basis. When choosing installments, users can choose according to their own income. , this can ensure that users repay on time after borrowing, and avoid overdue repayment. Overdue repayment will generate penalty interest, and will affect personal credit, and bad credit will affect subsequent borrowings. What does JD Gold Bar mean?
JD Gold Bar: It is a cash lending service tailored for users with good credit. JD Gold Bar is a credit loan product, and the user's usage is evaluated through the system. If the user is unable to apply for JD Gold Bar Loan or does not have a JD Gold Bar entrance, it means that the user's information has temporarily failed the system assessment and the gold bar loan service cannot be provided to the user.
Extended information
Jingdong gold bar charging standards:
(1) Daily interest calculation mode: interest payable in the current period = daily interest * number of borrowing days; daily interest =Current principal repayable (all repayable principal)*daily interest rate;
(2) Monthly interest calculation mode: repayment amount per period = loan principal/loan period loan principal Gold*loan monthly interest rate liquidated damages (if any);
(3) Failure to repay the current loan principal and interest in full on or before the repayment date in any period will be deemed to be overdue. The number of days of default will be calculated from that date.
(4) If there are more than two overdue periods, the overdue liquidated damages for each period will be calculated cumulatively (the amount of liquidated damages will be rounded to two decimal places).
Reference materials: JD Finance - What are JD gold bars
Reference materials: JD Finance - Why don’t I have JD gold bars
Reference materials: JD Finance - JD gold bars What is the charging standard for Jingdong gold bars?
JD Gold Bar is a cash lending service tailored for JD users. You can check whether there is a word about gold bars at the following two entrances. If so, you can try to apply for a loan. If not, it means that gold bars cannot be used now.
Path:
JD Financial APP: JD Financial APP Home Page-Bai Bar-Gold Bar
JD APP: JD APP-My-My Wallet-Gold Bar