What are the requirements for opening gold bars in JD.COM? COM？

JD。 COM gold bar is a well-known credit loan product under Jingdong Finance. As long as the user's qualifications meet the requirements, it will be more convenient to borrow money and help users solve the problem of capital turnover. However, the successful opening of JD.COM gold bars is not easy. If the user does not meet these conditions, it will be difficult to apply for a loan successfully.

1, with good credit qualification. JD.COM gold bar is a consumer loan product. Since users are not required to provide any collateral, JD.COM Gold Bar attaches great importance to users' credit status. If you want to get the quota of gold bars, the user's credit report must be spotless.

2. Personal income is stable. From the perspective of Jingdong financial platform, it is naturally hoped that users can pay off their debts as agreed, so it is very important for users to have a stable source of income. If users don't have enough sources of income, they can't successfully apply for JD.COM gold bars.

3. The debt ratio should not be too high. When users apply for gold bar products, if there are other outstanding foreign debts under their names, resulting in a high debt ratio, the platform will worry about the repayment pressure of users. In order to control risks, the credit line will not be granted to users for the time being. Therefore, users should take measures to reduce the personal debt ratio, so that it is possible to successfully open gold bars.

4. Have civil capacity. Users need to be over 18 years old, and cannot bear the creditor-debtor relationship due to physical or other reasons. At this time, the user cannot successfully open the gold bar.

5. The account function is normal. As you want to open JD.COM gold bar products, the user account must be in a normal state, and the system must not take risk control measures, and you need to bind your mobile phone number and bank card. These are the most basic conditions for users to successfully open JD.COM gold bars.

6. Have legal identification. The target group of gold bars is China citizens. If you want to use the credit products of Jingdong Finance normally, users need to upload a valid ID card on the system and complete real-name authentication. If users can't provide valid identification, they can't use gold bars.

It can be seen that if users want to get the quota of gold bars, they still need to meet more conditions. If the user has not obtained the corresponding quota for the time being, he can gradually improve his personal qualifications and wait for the system to review.