If the amount approved after the opening of JD.COM White Bank is only 1000, it may be because the customer's personal credit conditions are general, and the system will naturally not approve too many lines for customers to use. If the customer's comprehensive qualification is very good, then the system will not only approve 1000 quota for customers to use.
Of course, you can rest assured that although the initial amount is not high, because the amount of IOUs is not fixed, the system will make a comprehensive evaluation of customers' consumption repayment and credit status from time to time, and then adjust the amount according to the evaluation results, so as long as customers make good use of IOUs, remember to repay on time and accumulate good credit, then the system will naturally have the opportunity to increase the amount of IOUs.
If you don't make good use of the IOUs after opening, and the repayment is overdue, even if the approved quota is high, the system may directly reduce the quota or even freeze the quota.
In addition to maintaining good consumer repayment habits to help increase the amount, customers can also increase the amount of IOUs or obtain temporary quotas by receiving cash withdrawal packages and participating in IOUs withdrawal activities.
What is the maximum amount of IOUs in JD.COM?
At present, the maximum amount of IOUs in JD.COM is 15000 yuan, which is determined according to the user's shopping transactions in JD.COM, whether there are any bad records, membership level, other credit management records, such as the credit report of the People's Bank of China and the sesame credit of Alipay, and the user's salary level. As long as you are hiding in JD.COM for shopping and your consumption level is relatively high, you can generally apply for a quota of 7,000 to 8,000 yuan, which can be used to buy most goods. Besides, JD.COM JD.COM's IOUs can't be cashed.
At present, the highest amount of IOUs in JD.COM seems to be 15000 yuan, but most people are within 1000 yuan. Everyone who can reach 10 thousand yuan loves shopping and the salary is high. Because the amount of IOUs is automatically assessed by the system according to your consumption and credit rating in JD.COM, if your qualifications are good, the amount will be high.
If you want to increase the amount of IOUs, you can:
1. You can receive the cash withdrawal package at Jingdong Financial White Line Management every week. Although the amount is not large, it can be withdrawn;
2. It is not standard to participate in some activities to increase the quota;
3. Consumption in JD.COM can be improved.
For more information about the maximum number of white bars in JD.COM, please visit: See More.
Can I withdraw cash from JD.COM IOUs?
Nowadays, with the development of mobile Internet, many people are used to shopping in JD.COM. In addition to JD.COM Mall, JD.COM also has JD Finance. It is understood that Jingdong Finance has a product that is similar to Alipay Huabai Bai-JD.COM Baitiao.
JD.COM IOU is a brand-new payment method of "consumption first, payment later". Users can enjoy up to 30 days' deferred payment period or up to 24 installments when using IOUs. JD.COM Baitiao attracts many customers with its unique advantages. Unlike Bai Hua, JD.COM IOUs support cash withdrawal.
How to withdraw cash from JD.COM IOUs? What is the cash withdrawal process of JD.COM IOUs?
In fact, it is very simple to withdraw cash in JD.COM. There are two main methods:
The first method: JD.COM users can log in to JD Finance, and then click IOUs-IOUs Limit-IOUs Withdrawal to enter IOUs Withdrawal Page.
The second method: JD.COM users log in to JD.COM APP, click My-White Slip-Cash Out, or you can enter the white slip cash withdrawal page.
It should be noted that JD.COM White Strip Cash Withdrawal does not support credit card cash withdrawal, but only supports savings cards; Moreover, the minimum withdrawal amount of IOUs is 100 yuan, and the withdrawal amount must be a positive integer, and the maximum withdrawal amount cannot exceed JD.COM IOUs.
How much is the interest of JD.COM IOUs cash withdrawal? How much is the handling fee?
It is understood that the cash withdrawal of IOUs in JD.COM is free of cash handling fee, but a certain interest is charged, which is calculated at the daily interest rate of 0.05% from the date of cash withdrawal. So, is it cost-effective for JD.COM to borrow interest? If you withdraw cash by credit card, the daily interest rate is also 0.05%. Thus, the interest rate of JD.COM IOUs is not high.
JD.COM IOUs cash withdrawal, interest calculation is also very simple, JD.COM IOUs interest = principal payable * daily interest rate. However, the specific charges are subject to the actual operation page. However, although the interest rate of JD.COM IOUs is not high, I still suggest that you repay the loan as soon as possible, so as to avoid the adverse impact on your credit.
It should be noted that, due to different qualifications and reputations of everyone, the current real interest rate of JD.COM IOUs will be slightly different. At the same time, in addition to interest, there will be a handling fee, but individual users do not need to charge a handling fee. The specific handling fee is subject to the page display.
Why can't some people withdraw cash from JD.COM IOUs?
Some friends are excited to withdraw cash in JD.COM, but they find that they can't. What's going on here?
Why can't some people withdraw cash from JD.COM IOUs?
According to the customer service of Jingdong Finance, the withdrawal of IOUs is a new right launched by Jingdong Finance for users of IOUs system. The bill system user's IOUs (fixed amount) is evaluated by the system, and the highest IOUs withdrawal amount is obtained. Users can withdraw the withdrawal amount of IOUs to the account's own savings card, and calculate the daily interest after withdrawal, which is included in IOUs bill. At present, this service is only open to some users, and more users are opening up one after another.
Insufficient limit: it does not mean that the IOUs have a limit, but they can be withdrawn. Although JD.COM IOUs can be withdrawn, JD.COM IOUs withdrawal quota is IOUs quota, excluding temporary quota. Therefore, the premise of withdrawing cash is that your JD.COM IOUs have a quota, not a temporary quota.
Insufficient qualification: when using IOUs, there has been overdue phenomenon, which will lead to a stain on your credit and also affect the withdrawal of IOUs.
1. Perfect information: This is very important. After all, JD.COM IOUs can only lend you money if you know your information and have a clear grasp of it. Therefore, if you want to get the withdrawal limit of JD.COM IOUs, you must upload your real ID card and add a bank card corresponding to the ID card.
2. Shopping more: Shopping more in JD.COM will make JD.COM feel that you have spending power and purchasing power. Moreover, white bars are often used for payment. For example, when shopping in JD.COM Mall or other platforms that support Jingdong payment, JD.COM white bars are often used.
3. Timely repayment: When using JD.COM IOUs, repayment must be made in time, and there can be no overdue phenomenon. Whether JD.COM IOUs can be recovered has a lot to do with personal credit, so we must maintain good credit.
4.JD.COM Finance: JD.COM Baitiao is the credit brand of Jingdong Finance. You can also buy other products from Jingdong Finance. For example, JD Finance has insurance, money fund and bank financing, which will improve the utilization rate of JD Finance.
It should be noted that the IOU of JD.COM has been included in the credit information, so everyone must repay it on time after withdrawing the cash, so as to avoid overdue, which will adversely affect their credit information. At the same time, overdue IOUs will generate a certain percentage of liquidated damages, which is very uneconomical.
How to use 500 for 5000 places in JD.COM?
JD.COM White Bar is a brand-new credit payment method launched by Jingdong Finance. After the opening, you can get a certain credit line, and you can use the credit line to repay the loan in no installments or up to 24 installments, which provides great convenience for users in JD.COM. However, why do some people in JD.COM only have 500 IOUs? Let's analyze the reasons below.
Why are there only 500 white bars in JD.COM?
1. Why is the amount of IOUs in JD.COM only 500?
JD.COM IOUs quota is evaluated by the system in combination with user account information, credit status, shopping behavior and other comprehensive factors, which cannot be manually intervened.
If the initial limit is only 500, the specific reasons may be as follows:
1. The account information is incomplete.
For example, there is no real-name authentication, no upload of identity documents, incomplete professional information, no binding of mobile phone numbers, and no addition of bank cards. The system knows little about users, and the risk assessment is high, only giving 500 yuan a white line.
2. Bad credit status
In the final analysis, JD.COM IOUs is a product of pure credit application. When applying, you need to agree to the credit authorization letter to facilitate the system evaluation. Therefore, if there is a bad credit record on personal credit information, it will lead to a very low amount of IOUs, only 500 yuan.
3. Seldom shopping on JD.COM platform.
Shopping behavior can reflect a person's consumption habits and spending power. The better the consumption habit, the stronger the consumption power, and the more JD.COM white bars will be matched with it. On the contrary, if you seldom shop on the JD.COM platform, the initial quota may only be 500 yuan.
In addition, if the amount of JD.COM IOUs suddenly drops from a higher amount to 500, then the reason may be that the user has overdue repayment after using JD.COM IOUs, and the comprehensive credit score is lowered, so the amount drops to 500 yuan.
2. What are the ways to increase the amount of IOUs in JD.COM?
In addition to the irregular evaluation and adjustment of the system, you can also take the initiative to apply for cash withdrawal, open the Jingdong Finance-home page, click the cash withdrawal guide, and follow the prompts on the page to get cash withdrawal.
Specific methods are:
1, fill in relevant information.
Including uploading a valid ID card, filling in a common address, choosing a job occupation, and filling in contact information. After the completion, try to keep it stable and don't change it at will, so as to make the white users more real.
2. Pay attention to the official account of Baitiao WeChat WeChat
Invited ordinary users who pay attention to the official account of JD.COM Baitiao WeChat for the first time can get a chance to raise the amount. Please note that you need to pay attention before 24: 00 on the same day, and users who have not paid attention or participated in the activity on that day cannot raise the amount again.
3. Receive the Jingxi cash withdrawal package.
Only users who have partially completed the relevant information are allowed to open the collection entrance, and the system gives the collection amount according to the comprehensive evaluation of the user's shopping behavior, consumption habits and repayment ability. And the promotion is a fixed amount and will not expire.
4. Participate in special withdrawal activities.
For example, the daily deposit quota in the quota promotion strategy is promoted by signing in, receiving and tasks. Promotion is random, and only invited white users can participate.
5. Pay for shopping with white bars
Including online consumer payment such as JD.COM Mall, JD.COM1,or offline consumer payment after opening white card and WeChat payment, you can use more white bars, which can reflect good performance ability and help you get more opportunities and scope for cash withdrawal.
6. Observe the agreement and repay the IOUs on time.
Although the amount of IOUs is only 500, it is still possible to increase the amount as long as you repay on time after consumption and maintain and accumulate a good credit record.
The above is about "Why is the amount of IOUs in JD.COM only 500?" I hope I can help you.