What should I do if I can only borrow JD.COM gold bars?

Is there any way to solve the problem that JD.COM gold bars are used up and can't be lent out?

If JD.COM gold bars cannot be borrowed after they are returned, customers are advised to check their personal credit to see if there is any problem. And check the past borrowing and returning records to see if there are any bad behaviors such as overdue; You can also see if the accounts are different.

For example, if it is found that the overdue repayment leads to the freezing of the quota and can no longer be borrowed, then the customer can only pay off the arrears quickly and then take good care of the credit; If it is found that risk control is caused by frequent modification of account information, total equipment login, etc. Be sure to wait patiently for the end of the risk control.

JD.COM gold bars have all been paid off. Why can't we 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.

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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.

Why can't JD.COM gold bars borrow money?

JD.COM gold bars suddenly failed to borrow money for the following reasons: 1. The system for maintaining gold bars needs regular maintenance. If the user hasn't done anything illegal recently, but finds that he can't apply for gold bars, he can check whether the gold bar system is under maintenance. If it is confirmed that the gold bars cannot be used due to system maintenance or network problems, users can directly contact customer service to inform their own situation, or they can choose to restart the network or wait patiently for a while before trying to borrow gold bars. 2. Bad personal credit If the user borrows from other platforms recently, and there are bad behaviors such as overdue in the process of using the loan, then the gold bar system can also be queried, and it will affect the result of the user's application for gold bars. After the comprehensive evaluation of the system, although the user did not exceed the time limit when using gold bars, the system detected the user's current bad credit and refused to issue loans in order to avoid the loan risk. 3. Users who have used gold bars for multiple defaults should know that there is no need to pay handling fees for applying for gold bar loans and repaying in advance. Because of this, many users will choose to use prepayment to repay, but they don't know that prepayment is a breach of contract, which will make the gold bar system doubt the user's loan demand. In order to avoid wasting resources, it is very likely that the loan will be refused.

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.

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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.