; ? JD.COM Gold Bar is a credit loan of Jingdong Finance, and the loan interest rate is not bad, which attracts many people to borrow money. However, many people in JD.COM suddenly ran out of gold bars and could not borrow money. I want to know how to repair the gold bars in JD.COM. In fact, as long as we find the reason for the lack of places, there will always be a way. Let's briefly introduce it today.
How to restore the quota of gold bars in JD.COM?
The premise for JD.COM Gold Bar to borrow money is that there is enough available quota and the account status is normal. For example, JD.COM suddenly runs out of gold bars, so it is naturally impossible to borrow normally, and we can only wait for the gold bars in JD.COM to recover. However, the amount of gold bars in JD.COM is evaluated irregularly, so the absence of the amount is only temporary, and the borrower needs to find the reason before solving it.
Under normal circumstances, the amount of JD.COM gold bars will not be lost for no reason, which is generally related to two factors, one is the borrower's use record, and the other is the borrower's credit status. For example, it may be loans overdue before JD.COM Gold Bar, or the borrower's capital has deteriorated, the credit record is bad, and the repayment ability is seriously insufficient.
Borrowers can check the previous repayment records in JD.COM Gold Bar to see if there are overdue debts, and if so, pay them off quickly; If you don't check the credit information again and have a bad record, you can pay off the arrears first, which can also improve your repayment ability, so that you can not calculate the overdue interest, and then see if the quota will be thawed.
Note: JD.COM's gold bar quota can be restored through systematic comprehensive evaluation without manual intervention, so don't believe that any so-called spending money can restore the quota, and be careful to be cheated.
The above is the introduction of "How to restore the gold bar quota in JD.COM". COM ",I hope it will help you.
Why can't JD.COM gold bars borrow money?
JD.COM gold bars suddenly failed to borrow money for the following reasons: 1. The system for maintaining gold bars needs regular maintenance. If the user hasn't done anything illegal recently, but finds that he can't apply for gold bars, he can check whether the gold bar system is under maintenance. If it is confirmed that the gold bars cannot be used due to system maintenance or network problems, users can directly contact customer service to inform their own situation, or they can choose to restart the network or wait patiently for a while before trying to borrow gold bars. 2. Bad personal credit If the user borrows from other platforms recently, and there are bad behaviors such as overdue in the process of using the loan, then the gold bar system can also be queried, and it will affect the result of the user's application for gold bars. After the comprehensive evaluation of the system, although the user did not exceed the time limit when using gold bars, the system detected the user's current bad credit and refused to issue loans in order to avoid the loan risk. 3. Users who have used gold bars for multiple defaults should know that there is no need to pay handling fees for applying for gold bar loans and repaying in advance. Because of this, many users will choose to use prepayment to repay, but they don't know that prepayment is a breach of contract, which will make the gold bar system doubt the user's loan demand. In order to avoid wasting resources, it is very likely that the loan will be refused.
Why can't JD.COM gold bars borrow money?
First of all, answer directly.
The failure to borrow money from JD.COM Gold Bar is probably caused by the following reasons.
Second, the specific analysis
1. The loan amount in this account is less than that in 500 yuan. You know, JD.COM Gold Bar stipulates that the minimum amount of a single loan is 500 yuan. Less than 500 yuan, you can't borrow it naturally.
2. Due to the recent overdue repayment, personal credit has been damaged, so the system has restricted the white note function and the line may be frozen.
3. Due to frequent equipment login, frequent modification of account information, replacement of bank card, replacement of certified mobile phone number and other reasons. The risk of the account has increased, so the account is under systematic risk control.
Recently, I borrowed too much frequently, which led to long-term borrowing. Moreover, because many loans have not been paid off, the personal debt ratio is quite high, and the system is worried about unstable economic life and insufficient repayment ability.
It should be noted that Jingdong Financial System mainly conducts real-time approval based on current and historical credit performance (manual customer service cannot interfere with loan review). If the loan fails, it is recommended to keep the credit well and try the loan again after 30 days. Do not operate frequently.
Although many online loans do not have credit information now, each small loan platform has its own third-party big data credit information platform. If a company is overdue or fails to repay the loan, then the third-party platform it cooperates with will leave a record, and then you want to apply for a loan on other small loan platforms, which is basically difficult to pass. You can get a big data report on Xiaoqi Credit Search to keep abreast of your big data status. It is an online loan big data query system, which provides comprehensive, accurate and complete data information for online loan applicants.
3. How can JD.COM Gold Bars resume lending?
If you want to restore the lending function of JD.COM gold bars, you can do the following.
1. Maintaining good credit information is the basis for using JD.COM gold bars. The better the credit record, the less worried the system will be when restoring the credit limit, which is convenient for restoring the function of gold bars.
If you have a record of non-performing loans in your credit report, it will have a great impact on you. Before the credit report is repaired, you can't successfully carry out the credit product, and it takes a lot of time to slowly repair the credit report.
2. Improve your income In normal times, you can find ways to improve your income level. When you have enough income, the system will no longer worry about repayment. In this case, it will be easier to restore the amount of gold bars.
Before you have enough income, you need to use credit products such as gold bars rationally, fully consider the future repayment pressure, and borrow reasonably within the scope of personal economic conditions without bringing too much debt pressure to yourself.
3. Buy some money. You can buy some wealth management products from Jingdong Finance, so that the system can see its financial resources and prove that it has a good comprehensive qualification to restore the gold bar quota, but it needs to be based on its actual economic ability and risk tolerance.
4. Maintain a certain credit demand, you can maintain a certain frequency of borrowing and repayment, and you can gradually accumulate your own credit. At the same time, you can also let the system know your own credit demand, which will help to recover the JD.COM gold bar quota.
5. Improve personal information. For example, uploading your education, occupation and income information on Jingdong Finance will make it easier for Jingdong Finance to deepen its impression of itself and restore the gold bar quota.
6. Improving the evaluation score is an important reference document for using credit products of Jingdong Finance. The higher the evaluation score, the more confident the gold bar quota is, and the less worried the platform is.
Relatively speaking, it is not difficult to get the evaluation score of Jingdong Finance. It is helpful to improve the evaluation score to keep the loan and return records and further improve the personal identity information.
7. More use of other functions, such as using JD Finance to pay or consume, and using other business functions above JD Finance can increase the stickiness and facilitate the recovery of the quota in the future.
8. Reduce the debt ratio. After the debt ratio is reduced, the debt pressure is reduced and the future overdue risk is reduced. Jingdong Finance will be more assured when giving the recycling quota.
Controlling your debt ratio below 50% will make the platform feel at ease, and the platform will no longer have to worry too much about repayment pressure and worry less.
9. Use JD.COM Shopping Center for more shopping. Jingdong Finance is a service platform owned by JD.COM. Therefore, shopping in JD.COM Mall will play a positive role in restoring the quantity of gold bars, and you can maintain a certain consumption frequency in JD.COM Mall.
Under normal circumstances, JD.COM Gold Bar will not restrict lending for no reason. Generally, the system will only take risk control measures when there is overdue or other breach of contract. In order not to affect the normal use of gold bars, good loan and repayment records should be maintained at ordinary times.