Do you collect credit on JD.COM gold bars? Will it affect personal bank loans?

Repayment on time does not affect credit reporting. After using JD.COM gold bars, as long as the borrower can repay on time, it will not affect the personal credit report. If the borrower fails to repay the debt in time after using JD.COM gold bars, it will have a bad credit record and affect the personal credit report. Once the borrower has a bad credit record, it will be affected if he wants to handle other credit business in the future. JD.COM Gold Bar entrusted Shanghai Bank to inquire about the credit information from last year to 20 17. When many users open JD.COM gold bars, the system will urge them to carry out authorization, that is, they agree to Shanghai Bank to inquire about your personal credit and authorize to upload your personal credit records, that is, JD.COM entrusts Shanghai Bank to inquire about your credit information. If the money is lent to you by Shanghai Bank through gold bars, an overdue credit investigation will be conducted at the meeting. However, JD.COM gold bar loan funds not only come from banks, but also from other institutions and channels. Therefore, not all users will conduct credit surveys at overdue meetings.

1. As we have just analyzed, the credit investigation of JD.COM Gold Bar may be overdue, but the degree and amount of overdue vary from person to person. For example, A is one day overdue and B is three months overdue, and the severity varies greatly. Generally speaking, the amount is small, and because the bank has a grace period, it will not conduct credit investigation within three days after the expiration. When so many people borrow money every day, some confused users will forget to repay. If they see the SMS reminding them to pay back immediately, it is not malicious overdue. Private microfinance is relatively loose in this respect. For example, JD.COM gold bars will send SMS reminders before the due repayment date, and the repayment date will also be reminded. After the overdue payment, I will send a message every day and even call to remind me of the repayment. If the repayment is timely, it will not affect the credit investigation.

2. Then, the possibility of credit investigation for JD.COM gold bars, JD.COM gold bars have a large number of installment payments, and overdue for more than three periods is overdue. Although this situation can't be said to be deliberately not repaying the loan, it can also show that you, as a borrower, don't care about repaying the loan, and you will repay the loan at any time as long as you are willing. Then even if you don't go to credit, JD.COM Gold Bar won't give you permission to open a shop. Unable to contact the borrower. If the left mobile phone can't get through, no one answers, and the text message is not returned, and the amount is still very large for a long time, then this situation can be considered as malicious overdue. JD.COM usually calls the emergency contact person and reports the loan to the central bank for credit investigation after a period of time. Generally speaking, the credit report of JD.COM Gold Bar will not affect your credit report. If you are late, it may lead to serious consequences. In the end, this kind of Internet loan product is more suitable for timely repayment, because there are few reliable and quick repayment opportunities like JD.COM Gold Bar except banks, and the interest rate is relatively low. Protect your personal credit, even if you don't go to the central bank for credit investigation, don't be blacklisted by JD.COM.