Is vitality flower a regular product?

How much is the interest of Jingdong's financial vitality? Is the vitality flower reliable?

Pengbo Flower is a consumption staging platform for cooperation with Jingdong Finance. It is a product suitable for young people to borrow money on stage. Need to authorize JD.COM small white powder, sesame powder, bank card. The next payment is very fast and requires face recognition. Many friends are very concerned about the high interest rate of vitality flowers. Today, let's make a brief introduction.

Starting from 20 18, jingdong finance opened the function of lending treasure and cooperated with many lending institutions, including vitality flower. If you are not eligible to apply for JD.COM gold bars, you will get the flower of vitality.

So how much interest does vitality cost? Some users successfully applied for a loan of 1.500 yuan with a term of 1.5 days, and finally repaid the principal and interest 1.650 yuan; Another user borrowed 1 0,000 yuan and paid it back in three months. The interest is 9 1 yuan, which is relatively high, almost three times that of ants.

In addition, the creation of the flower of vitality will fail, which is a way of lending institutions. To put it mildly, you can choose to try again next time because you don't meet the application conditions for the time being.

So what is the relationship between the flower of vitality and JD.COM? Is it reliable?

JD.COM customer service was consulted on this question, and they said that the vitality flower jump page is actually a merchant advertisement page, which means a third-party platform.

JD.COM Fanhua is not a product of Jingdong Finance. You can choose whether to spend heavily according to your own needs. In other words, this organization is formal and reliable, but it has nothing to do with JD.COM, so you should handle it with caution.

Are the consequences of expired vitality flowers serious? Credit information?

As a cooperative loan platform in JD.COM, Pengbo Huabai is loved by many users because of its simple handling and fast payment. Someone asked, is it serious that the vitality flower is overdue? Will it be on credit? Then let's briefly talk about the adverse effects of expired vitality flowers.

First, is the energy spent on credit reporting?

Lively flowers were collected at the meeting.

Its lenders include banking institutions and cooperate with Xiaobai and Sesame Credit. So I remind you that you must return the vitality flower on time, otherwise it will not only be reported to the central bank's credit information system, but also recorded in the third-party database.

Second, are the consequences of expired vitality flowers serious?

In addition to credit reporting, what are the consequences of overdue vitality flowers? Summarized the following points.

1, late payment: Like other online lending platforms, late payment will be charged, which means that you not only have to pay back the original repayment, but also pay another sum of money.

2. Impact on the loan: After all, Shengshenghua has been connected to the JD.COM platform, and there will definitely be records in the background, not only in JD.COM, but also in other places.

3. Collection: SMS and system reminder will be sent within three days after the expiration of the vitality flower. There will be a reminder call in three days. If the time drags on for a long time, it will be collected and contacted with relatives and friends in the user's address book.

The above is about "Are the consequences of expired vitality flowers serious? Is it a credit report? " The answer, I hope to help everyone. Generally speaking, this product is still relatively formal. It is recommended to standardize the use and avoid the consequences of expiration. One step is wrong and every step is wrong.

Is the vitality flower reliable?

Reliable.

Everything is good and bad, so is online lending. There are a lot of negative information about online lending now, so many people are very cautious when choosing, and dare not choose an unreliable online lending platform. Vigorous flower is one of the online lending platforms, which is more reliable and belongs to formal channels.

Vibrant Flower Garden is an online lending platform that cooperates with JD Finance, and is more used by young people.

However, borrowers also need to master a degree. If the repayment ability is exceeded, the formal online lending platform also needs to find debt collection, and the consequences of late overdue are more serious. Therefore, although the vitality flower loan is reliable, it cannot be borrowed by the super power.

Extended data:

Correct choice of online lending platform, pay attention to:

1, don't listen to false propaganda: nowadays, in many public places such as elevators and public toilets, you often see some small advertisements for online loans, such as zero-interest loans and loans based only on ID numbers. Such advertisements are generally false propaganda, and users should never be fooled.

2. Choose a platform with a good background and a good reputation for loans: Now many banks have launched online loan products, and many well-known enterprises also have their own loan products, so users can make direct loans at such loan outlets.

3. Be sure to see clearly the borrowing cost: the loan cost is a very important part of the loan. When applying for a loan, users must be clear about the costs they need to bear and see if the comprehensive costs are too high. Never apply for a loan on a platform with high comprehensive loan cost to avoid excessive repayment pressure in the later period.

4. Don't pay any fees before the loan is successful: There are some unreliable loan platforms that require users to pay various fees before the loan is successful. Users should never apply for a loan at such a loan opening. Be careful that the loan is unsuccessful after payment, resulting in economic losses.

5. Be sure to read the loan contract carefully when lending: Many people don't have the habit of reading the contract when lending, which is very dangerous. If there are hidden unreasonable charges in the contract, they won't know, so you must read the loan contract carefully.

Is the vitality flower loan formal?

The Flower of Vitality is a loan product owned by JD.COM. The flower of vitality is a cooperative relationship with JD Finance, not a loan from JD.COM. You need to look at contacts, address books, etc. when applying. , you will also check and submit credit information.

Booming flowers, the application entrance is in Jingdong Finance-Borrowing money-Booming flowers. If there is no entrance, it proves that credit is not enough. You can improve your personal credit and information before applying. According to the feedback from netizens who made the next payment successfully, the loan 1 1,000 yuan and the interest of 9 1 yuan are relatively high. Be sure to repay the loan on time, otherwise the consequences will be serious.