Why did the Jingdong Baitiao quota suddenly drop?

Many borrowers said that their credit loan-Baidiao quota was originally 10,000 yuan, but was suddenly reduced to about 1,000 yuan by the system. If they want to change this situation, users must find JD.com Baitiao. Reasons for the limit reduction and take corresponding solutions, otherwise the Baitiao limit may be reduced to zero. So, what happened to the sudden decrease in Jingdong Baitiao quota? Common reasons include these!

1. Personal credit report is seriously bad. The JD Financial Platform will check the user's credit report from time to time for post-loan management. As long as it is found that the user currently has a bad credit situation and the degree is serious, such as bad behavior such as three consecutive bad debts or six, or there are records of bad debts, compensation, etc. , even if you maintain good loan behavior when using Baitiao, the limit will most likely be reduced. If the user wants to revert the JD Baitiao limit later, the user needs to terminate the bad behavior and maintain a good credit record for at least half a year. During this period, the user must use JD Finance's product functions to increase the activity of the account and accumulate the credit record of the platform.

2. The debt ratio increased significantly. The level of the user's credit debt ratio will directly affect the repayment ability. The debt ratio tolerated by most lending institutions is 50. Therefore, as long as it exceeds this value, it means that the user's current debt ratio is high and there is a greater potential risk. Considering the lending risks, the JD.com platform may not approve large loan amounts for users. Therefore, for users with high debt ratios, JD Financial Platform will also take de-rating measures to avoid risks and avoid large bad debts that will affect the platform’s revenue and normal operations. However, subsequent users will need to reduce their credit debt ratio through repayment behavior. Their repayment ability will be recognized by JD Finance, and their credit limit will be increased after the system re-evaluates.

3. Being risk controlled by the system. Before using JD Baitiao products, borrowers who have modified their personal information, especially after adding a new delivery address or using a new device to log in, may also trigger risk control, resulting in a substantial reduction in the credit limit by the system. Currently, this is to ensure the security of users’ accounts, because the smaller the available balance, the higher the security. In addition, if a user often uses Baitiao products at the same merchant or merchant of the same type to conduct large transactions, and if the consumption behavior is inconsistent with the usual consumption behavior, the system will be used as a false transaction for risk control, and borrowers with serious violations will be taken. For significant reduction measures, the borrower's limit can only be transferred back through subsequent normal consumption behavior and the system's risk control is lifted.

Therefore, there is a reason why the JD Baitiao quota has been reduced. Users can find corresponding solutions based on their actual situation to help restore the JD BaiTiao quota.