JD。 COM gold bar Kunlun bank is not creditable. Relevant public information shows that Lun Bank is one of the cooperative banks of gold bars, mainly providing payment and settlement services, so the purchase of gold bars will not affect personal credit records. However, if you choose to use credit products such as credit cards through Kunlun Bank for consumption or repayment, these credit activities may be reported by credit reporting agencies, which will have an impact on personal credit records.