JD.COM gold bars can't be borrowed suddenly. Can they still be used after being returned?

JD。 The gold bars are all paid off, why can't I borrow them?

JD.COM gold bars can't be lent out, probably because the comprehensive rating of users is insufficient.

Every time a user applies for JD.COM gold bars, the system will review the user. If there are overdue IOUs or other bad behaviors, you may not be able to borrow gold bars. In addition, if the debt is too high, it will also lead to the inability to apply for gold bars.

Some customers' JD.COM gold bars will recover the amount (principal) occupied by the loan once the loan is paid off in installments. For example, a customer borrows money from 600 yuan in six installments. If the customer only pays the principal and interest in installments of 1, the amount of JD.COM gold bars will not be recovered. Only after the customer has paid off all the principal and interest of 600 yuan can the amount of 600 be recovered.

Extended data:

Precautions:

If you want to apply for JD.COM gold bars, you must have JD.COM white bars, and you must be a creditworthy JD.COM white bar user. In other words, JD.COM Gold Bar is a cash lending service that only JD.COM users with good credit can have. At present, there is no independent channel for JD.COM Gold Bar to apply for opening. Nominally, you can apply for it yourself, but actually you can't operate it yourself.

After shopping in JD.COM, you need to receive favorable comments in time, and the number of returns is small. Choosing a good product is the key. In exchange, the return is not good for anyone, there are few bad reviews, and the quota can be increased.

The gold bars were returned in advance and can't be borrowed now. What should I do?

The main reason for not lending gold bars after repayment is that they have not passed the comprehensive evaluation of the current system, so that we can find out whether the current credit is inconsistent with the situation. If the income from work is abnormal, the debts increase or there are dishonest problems, it will lead to failure.

Therefore, it is suggested that users can pay off some debts, reduce personal debts and solve the problem of overdue repayment, and then wait for the next evaluation of the system.

In addition, users can also check whether the account monitoring is unable to borrow money because of the unsafe network environment and mobile phone equipment. Check whether the network connection is in a familiar network and whether the bound mobile phone device has been changed recently.

In the process of loan repayment, users need to make repayment records to avoid overdue. After all, a good historical record will be conducive to subsequent reapplication. In short, whether it can be borrowed again is the result of system evaluation, and users can consider it from their own credit status and account security.

If you want to query the online loan data report, you can check it: Xiaoqi Credit Search, which can check the user's application times, online loan data, online black index score, hit risk warning, court prosecution information, arbitration case information, dishonesty information and other data. And the queried data is very accurate and comprehensive.

Extended data:

JD.COM gold bars are limited, so they can't be lent out?

As we all know, although JD.COM Gold Bar can borrow in a limited amount and there is no limit on the number of times of borrowing, it is necessary to re-evaluate the qualification of the current account of users every time. If there is a situation that he can't get the loan with the line, there may be three reasons:

1, personal credit value decreases.

That is to say, the comprehensive score is insufficient and there are many influencing factors, but the most common one is overdue. For example, if JD.COM White Bar and JD.COM Gold Bar are not repaid in time, the personal credit value will be reduced. Even if JD.COM doesn't take back the quota, it won't lend it to you again, and it can only be used as a decoration.

This requires paying off the money owed first, and then trying to win back JD. COM, such as saving money in JD.COM's coffers and buying wealth management products.

2. The account activity is not high.

In order to open JD.COM gold bars, many people often shop, manage money and save money in JD.COM Mall, but once JD.COM gold bars are opened, they are not so active, and the saved money is transferred back to Cary, and the wealth management products they bought are also realized. Besides, they don't use JD.COM gold bars for half a year. When they want to borrow money, they may not be able to borrow it.

3. System upgrade or failure

Jingdong Finance will also upgrade the system from time to time, or the system fails and needs maintenance. In this case, it will definitely not lend. However, if it is not caused by the borrower's own reasons, you only need to wait until the system is stable before applying for a loan. If there is a quota, it is only temporary.

JD.COM gold bars cannot be borrowed when they are returned.

Why can't JD.COM gold bars be lent out after they are put in?

The overdue repayment of 1 occurred during the use of JD.COM gold bars, which will affect the reputation of users and may lead to unsuccessful loans.

2 The risk coefficient is high, and Jingdong Finance has its own risk control system. If the user's current risk coefficient is high and the debt ratio is too high, it will also cause the user to be unable to borrow money after completing the repayment.

3 If the comprehensive score is insufficient, JD.COM Gold Bar will evaluate the users in real time. Once overdue, the user's evaluation is not up to standard, so you can't lend after repayment.

4 Too much debt, too much debt will also lead to the inability to apply for gold bars. For example, the number of loans in the name of individuals is increasing, and the repayment ability of individuals is obviously insufficient.

It should be noted that you must have JD.COM IOUs to apply for JD.COM gold bars, and you must be a JD.COM IOUs user with good credit to apply. In other words, JD.COM Gold Bar is a cash lending service that only JD.COM users with good credit can have. After borrowing gold bars, you must repay them on time or choose to repay them in advance.

1.JD.COM Gold Bar is a product of Jingdong Finance, which was listed in March 2065438+2006. It is mainly a cash loan service customized for users with good credit, which can support a maximum withdrawal amount of 200,000. JD.COM gold bars have the characteristics of online loan, unsecured, real-time batch, and quick arrival. The extension of scene use can also meet the cash needs of users in various scenarios.

Second, JD.COM gold bars do not need to be mortgaged, and they can be easily loaned only by binding stored-value cards and credit cards; Online loan, all processes can be received after online completion; Real-time approval and quick receipt. Generally, the loan application will be received within 5- 15 minutes after submission. Please refer to the bank card receipt of the receiving bank. Moreover, JD.COM gold bars can be returned as you borrow them, in advance, or in different periods such as 1, 3, 6, 12. Interest is calculated by the day.

Operating environment:

Apple 12, ios 14

Jingdong Finance Edition 6. 1. 10

What should I do if I can't lend JD.COM gold bars after paying off my debts?

JD.COM gold bars will not be lent again after they are paid off. This is because users have overdue bad records. JD.COM Gold Bar has its own risk control mechanism, and they will automatically refuse to release funds to users. If a friend wants to borrow it again, he can only try again after a while.

This is what the official customer said: Every time you borrow money from JD.COM Gold Bar, the system will comprehensively evaluate your personal information. If you can't borrow money, it means that your personal information has not passed the comprehensive evaluation of the system for the time being. I suggest you keep good consumption habits, pay back in time, and try to borrow again after one month.