Someone misses your daily necessities? JD.COM IOUs get credit information!

Recently, the news that JD.COM IOUs obtained credit information has become a topic of concern, and many users have started to cancel JD.COM IOUs, so as not to affect personal credit information records and cause adverse effects in the future. After a series of online lending platforms, such as Ant Lending, Suning Renxing Payment, Microfinance and Baidu Finance, reported credit information, JD.COM Baitiao also began to connect with credit information.

JD.COM Weibo statement

The Essence of JD.COM's Credit Report

According to JD. According to the official analysis of www.com, if JD.COM Baitiao can repay the loan on time after accessing the credit information, it will add extra points to the personal credit information record and have a positive impact on applying for a loan when buying a house or a car in the future.

So is this really what the official said?

First of all, let's pay attention to the fact that the main company reporting personal credit records in JD.COM IOUs is Chongqing Liangjiang New Area Shengji Microfinance Co., Ltd., and the types of reporting personal IOUs are divided into personal consumption loans. In other words, when a user has opened the JD.COM IOUs business, there will be a small loan record in his personal credit record, and with this record, it will have a negative impact rather than a bonus when the bank applies for a loan.

Because in the bank's risk control thinking, when users borrow money from small loan companies, they may explain the following problems:

1, personal credit qualification is poor, it is difficult to get loans from banks and turn to small loan companies for loans.

There is something wrong with my personal credit record, so I can't get a loan from the bank smoothly.

3. Personal occupation is recognized as a high-risk group by the bank, which belongs to the group that is easy to be rejected in bank loans.

4. There may be problems in personal fund management.

If the bank sees the letter from the loan applicant at this time, it will definitely have more reservations about its qualification appraisal during the audit.

In addition, many people have to cancel their existing accounts because JD.COM owes a debt, thinking that everything will be fine, but it is not. Closing accounts cannot be a way to avoid credit reporting. Even after the account is cancelled, JD.COM IOUs will still report the IOUs bill of the user in recent 1 year to the central bank's credit information system.

Different from Suning's voluntary payment, JD.COM will report personal credit records on a monthly basis, while JD.COM will not report consumption details when reporting credit records, and only one credit record of credit business will be displayed in the credit report.

So, what should I pay attention to if I use JD.COM white stripes?

1. If the overdue time is short and the amount is small, you need to pay off the arrears in time and contact customer service before JD.COM Baitiao reports personal credit information to the central bank. Those who apply for personal overdue records will not be reported.

2. If there is a long-term overdue behavior, and JD.COM Baitiao has reported the credit information to the central bank, it will be difficult to eliminate the bad records in the credit information, and users can only overwrite the previous bad records with new repayment records in the future.

3. You can cancel the JD.COM white note in the following ways: cancel the customer service staff by phone; Contact customer service staff through Jingdong Financial Micro Signal; Jingdong Finance's online customer service submits an application.

With the strengthening of internet financial supervision, online lending platforms are gradually becoming standardized, and it is only a matter of time before they are linked to credit reporting.