Why can’t I borrow money after paying off JD Gold Bars?

1 Overdue repayment. There have been overdue situations in the process of using JD Gold Bars. Overdue payments will affect the user’s creditworthiness. , which may lead to unsuccessful borrowing.

2 The risk coefficient is high. JD Finance has its own risk control system. If the user's current risk coefficient is high and the debt ratio is too high, it will also cause the user to be unable to borrow after completing the repayment.

3 If the comprehensive score is insufficient, Jingdong Gold Bar will evaluate the user in real time. Once it is overdue, the user's evaluation will not be up to standard, and the user will not be able to lend it out after repayment.

4 Too much debt will also lead to the inability to apply for gold bars. For example, the loans under one's name are constantly increasing, and one's repayment ability is obviously insufficient.

It should be noted that to apply for Jingdong gold bars, you must have Jingdong Baitiao, and you must be a Jingdong Baitiao user with good credit before you can apply. That is to say, JD Gold Bar is a cash lending service that can only be used by JD Baitiao users with good credit. After borrowing money from gold bars, you must repay it on time, or you can choose to repay it in advance.

Extended information:

How can I restore my JD gold bar quota?

The prerequisite for borrowing money from JD Gold Bars is that there is sufficient available credit and the account status is normal. If Jingdong’s gold bars suddenly run out of quota, you will definitely not be able to borrow money normally and will have to wait for the gold bar quota to be restored. The gold bar quota is granted after system evaluation. Therefore, the disappearance of the quota is only a temporary situation and needs to be restored after the borrower finds the cause and solves the problem. Generally speaking, the limit of gold bars will not disappear inexplicably, unless the borrower has overdue violations and other violations during use, and it is reflected in the credit report, which will cause the user's gold bars to disappear. If you want to restore the limit, the user must pay off the overdue balance as soon as possible, repair your personal credit, and improve your repayment ability, so that the limit can be restored. Jingdong’s gold bar quota suddenly disappeared

It may be because the customer overdue in repaying the previous loan, which affected his personal credit. As a result, Xiaobai’s credit score was reduced. During the comprehensive evaluation, the system also found that the customer’s There was a problem with your credit, which made it impossible to pass the assessment, so the system froze the credit limit.

1. JD Gold Bar is a product of JD Finance. It was launched in March 2016. It mainly provides customized cash borrowing services for users with good credit. It can support a maximum withdrawal limit of 200,000 yuan.

2. Jingdong gold bars have the characteristics of online lending, no collateral, real-time approval, and fast arrival. The extension of use in scenarios can also meet users’ cash needs in various scenarios.

3. Jingdong gold bars do not need to be mortgaged. You only need to bind stored-value cards and credit cards to easily borrow money; online loans can be received after the entire process is completed online; real-time approval, fast arrival, and general funds The loan will arrive within 5-15 minutes after the loan application is submitted. The specific arrival time shall be subject to the bank card arrival status of the beneficiary bank. Moreover, Jingdong gold bars can be borrowed and repaid at any time, and can be repaid in advance or repaid in different periods such as 1.3.6.12 periods; interest is calculated on a daily basis, and the borrowing interest rate range is generally a daily interest rate with a minimum of 0.025% , the maximum annual interest rate does not exceed 36%. "Baidiao" also opened up O2O (Jingdong Daojia), global shopping, and product crowdfunding within the JD system. Later, it gradually covered rental, tourism, decoration, education, weddings and other fields, extending from credit purchase services to providing credit consumer loans. Cover more consumption scenarios and provide credit consumption services to more consumers.

4. JD Baitiao’s service scenarios have gradually expanded, and it has cooperated with nearly 10 million online and offline merchants, covering life and entertainment, business travel, education and training, communications and leasing industries. Cooperating with banks to jointly brand the electronic account "Baidiao QuickPass", using NFC technology to expand Baitiao payment offline, and further broadening the usage scenarios of Baitiao payment by binding WeChat payment.

5. In addition to providing users with the convenience of buying now, paying later and paying in installments at will, Baitiao has launched an official creative product store - Time Grocery Store, adhering to strict aesthetic and quality standards to provide users with creative and Select a variety of beautiful and interesting life gadgets to work with young people to establish a healthy and quality life attitude.

6. While Jingdong Baitiao brings convenience to users, it also pays great attention to the security issues of users being stolen and swiped by Jingdong Baitiao.

During the entire process of account login, activation, transaction, and information modification, JD Digits’ Tiance decision-making engine system, Tiandun account security and anti-fraud system, and Tianwang transaction risk monitoring system perform background security scans on each account behavior. Real-time calculations can identify malicious behaviors and high-risk orders, and are connected with the mall's distribution system to intercept high-risk orders in the last mile of delivery. JD.com's Baitiao anti-theft brush is a unique advantage in the industry. Why is the JD Gold Bar quota missing?

JD Gold Bar is a personal consumption loan product launched by JD Finance. Users who meet the conditions can borrow varying amounts of money from Brother Qiang. However, because it is in the internal testing stage , only open to some people. Once the application is successful, you can enjoy lower interest rates than credit card installments, plus multiple repayment methods, and no handling fees for cash withdrawals. So what happened to the JD.com gold bar quota that disappeared?

1. Jingdong Gold Bar is still in internal testing, and the specific system review standards are not yet clear. However, given that it is a service exclusive to Baitiao users, its risk rating standards may be based on consumption records, delivery information, and returns. Information, shopping reviews and other data are used as reference.

2. If you have opened Jingdong Baitiao and still have not obtained the gold bar limit, you can rely on continuous credit accumulation to obtain the qualifications for use. However, this process can be done with "The road is long and the road is long." "This word sums it up.

3. If you want to recover, you can continue to use JD.com Baitiao for a long time to accumulate credit and develop good consumption habits, such as repaying your debt on time, purchasing more financial products from JD.com, etc. If things go on like this, it is only a matter of time before you want to recover the missing balance.

The above is what I found for you about what happened when JD.com’s gold bar quota disappeared. I hope it can help you. How to restore Jingdong gold bar quota? There is always a way!

Jingdong Gold Bar is a Jingdong Financial Credit Loan with a pretty good disbursement rate, attracting many people to borrow money. However, many people suddenly have no limit on Jingdong gold bars and cannot borrow money. They want to know how to restore the limit on Jingdong gold bars? In fact, as long as you find the reason why there is no quota, there will always be a solution. Let’s briefly introduce it today.

How to restore Jingdong gold bar quota? The prerequisite for borrowing money from Jingdong Gold Bar is that there is sufficient available credit and the account status is normal. For example, if Jingdong Gold Bar suddenly runs out of quota, you will naturally not be able to borrow money normally. You will have to wait until the Jingdong Gold Bar quota is restored. The Jingdong gold bar limit is assessed by the system from time to time, so the lack of a limit is only temporary, which requires the borrower to find the reason first and then solve it. Usually the limit of Jingdong gold bars will not be lost for no reason. It is generally related to two factors, one is the borrower's usage record, and the other is the borrower's credit conditions. For example, it is possible that the gold bars borrowed from JD.com were not repaid on time and overdue, or the borrower's qualifications have deteriorated, there is a bad record on the credit report, and the repayment ability is seriously insufficient. Borrowers can check their previous loan repayment records on JD.com Gold Bar to see if there are any overdue debts. If so, pay them off immediately; if they do not check their credit report again, those with bad records should pay off their debts first. It can improve the repayment ability, stop overdue interest accrual, and then see if the limit will be unfrozen. Note that the JD gold bar quota restoration must pass the comprehensive evaluation of the system and is not subject to manual intervention, so do not believe in any so-called spending money to restore the quota, and be careful of being deceived. The above is the relevant introduction to "How to restore JD gold bar quota", I hope it will be helpful to everyone.