How to delete the overdue records of JD.COM gold bars?

Under normal circumstances, overdue gold bars cannot be deleted, because gold bars are products of credit investigation, and records will be left on credit investigation. However, if there are special circumstances, you can apply for objection modification, and there is a chance to update it from the credit information.

Users can apply directly to the Credit Information Center or apply for modification through the platform. If it is overdue due to its own reasons, the record will be kept in the credit report for 5 years before it will be eliminated.

In fact, whether applying for JD.COM gold bars or other loan products, users should pay attention to repayment credit. Otherwise, it will have a negative impact. If you leave it on the credit report or Sixi data, once it is queried by other platforms, whether it is a credit card application or a loan application, it may lead to the failure of approval. What's more, after the deadline, the platform will collect users, not only the debtor himself, but also his relatives and friends will receive collection calls.

Generally speaking, overdue records cannot be deleted unless there are special circumstances. Historical records that have been kept for five years will be cleared after the user settles, and will remain in the credit report until they are resolved.

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Will the prepayment of JD.COM gold bars reduce the quota?

In principle, the quota will not be reduced. Because according to the official customer service reply of Jingdong Finance, the prepayment of gold bars will not affect the credit or loan review of gold bars, so users are supported to prepay.

However, it should be noted that, on the one hand, if the user's JD.COM gold bars are equal monthly, it is supported to repay in advance within 7 days before the final repayment date of the installment order, and collect the installment principal and the corresponding maturity fee; If the current date is more than 7 days from the final repayment date of installment, prepayment is not supported.

On the other hand, if the user's JD.COM gold bars decrease, we can find the reason from the platform and the user himself. If the platform is regulated to adjust the quota, it is normal for users to reduce the quota. If the user's own qualifications and credit are poor and the comprehensive evaluation declines, the system will give the result of lowering the quota.

Generally speaking, prepayment will not directly affect the quota, and the platform itself also supports users to operate in advance on the premise of meeting the conditions. However, if the quota decreases, it may be that the platform is adjusting the credit, or the user's comprehensive evaluation is poor, which leads to the system degradation. Loan Amount JD.COM Gold Bar Credit Loan