JD.COM gold bar application conditions:
1. At least 18 years old, with good credit, willing to provide credit records of the central bank;
2. There is a certain consumption record in JD.COM Mall and the online shopping transaction record is good;
3. Have certain repayment ability and strong repayment will.
At present, JD.COM Gold Bar does not support active application for opening. Only after being granted the loan qualification by the system can it be activated independently. If you meet the opening conditions of JD.COM Gold Bar, you can find the activation entrance in Jingdong Finance or JD.COM Mall.
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JD.COM Gold Bar is a product of Jingdong Finance, which was listed in March 216. It is mainly a cash loan service tailored for users with good credit, with a maximum withdrawal limit of 2, yuan.
JD.COM gold bars have the characteristics of online loan, no mortgage, real-time batch and fast receipt, which is an extension of scene use and can also meet the cash demand of users in various scenarios.
JD.COM gold bars need not be mortgaged, and they can be easily borrowed by binding stored-value cards and credit cards; Online loan, which can be received after all the processes are completed online; Real-time approval and quick receipt. Generally, the funds will be received within 5-15 minutes after the loan application is submitted. Please refer to the receipt of the bank card of the receiving bank.
Moreover, JD.COM gold bars can be repaid as they are borrowed, which can be repaid in advance, and can also be divided into 1, 3, 6 and 12 installments. Interest is calculated by the day.
The whole process of examining and approving the next payment of JD.COM gold bars can be divided into three parts, and the time consumed in each part will be different. The details are as follows:
1. It takes about one working day to review the qualification of JD.COM gold bars;
2. It takes about 3 working days for the borrower to wait for the gold bar certificate review;
3. When applying for cash withdrawal, it will generally take about 3 minutes to review the loan and realize the loan arrival (network delay, bank channel maintenance, etc. may be delayed).
generally speaking, it may take 3-4 days for friends who apply for JD.COM gold bars for the first time to complete the examination. After that, when people apply for loans again, the speed will be much faster.