not under normal use.
JD.COM gold bars are similar to credit cards. At present, they also enter the credit inquiry system. If they are not repaid in time after use, or if they are overdue, the credit center will record them. It will affect your credit and have a certain impact on the loan.
If you use JD.COM gold bars normally and repay them on time, it will not affect the mortgage. If you use gold bars, you will be overdue, which will affect your customers. ?
Extended information:
Impact of overdue repayment of gold bars in JD.COM:
1. Penalty interest for overdue gold bars in JD.COM is charged at the rate of 5% of the overdue loan amount from the overdue date until the overdue principal and interest are paid off. Calculation formula: overdue interest = overdue amount * overdue days * interest *5%.
2. Reduce JD.COM's credit: Overdue repayment will have a negative impact on JD.COM's credit, thus reducing JD.COM's credit score.
3. Impact on the amount of gold bars: JD.COM White Bar and Gold Bar are from the same company, and they are related to each other. If one party is overdue, it will inevitably reduce the credit line of the other party, or lead to the inability to continue using gold bars or white bars.
4. Bad credit record: As gold bars are mainly connected with micro-loans of Jingdong Finance, if they are seriously overdue, they will appear in the credit report, which will affect personal records.
4. Impact on loan and card application: If gold bars are frequently used without repayment, and overdue for many times and for a long time, card application and loan application will be affected. Because Internet lending products such as JD.COM Gold Bar are also connected to the central bank for credit reporting, if the user fails to repay the loan many times, the credit record will be poor.
5. If the loan is overdue, Alipay will collect it. For example, dunning by phone or SMS, etc., according to the specific loan situation, legal channels are not ruled out if the circumstances are serious. ?
Baidu Encyclopedia-JD.COM White Strip