How to close Jingdong Gold Bar

JD Gold Bar is a loan business under JD.com. If you want to close JD Gold Bar, the steps are as follows:

1. Log in to JD Finance APP, and click to enter the loan page after logging in;

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2. After entering the loan page, you can see the limit information of JD gold bars, click to enter the loan limit of gold bars;

3. After entering the gold bar limit page, find the gold bars at the bottom of the page Use the help column and click to enter;

4. After clicking on gold bars to use help, you will jump to the JD customer service window. JD customer service will push you a message about closing and logging out of JD gold bars;

< p>5. Click Contact Customer Service in the message sent to you by JD Financial Customer Service, and then ask JD Financial’s customer service staff to help you close and cancel JD Gold Bars.

Extended information:

JD Gold Bar is a product of JD Finance. It was launched in March 2016. It is mainly a cash borrowing service tailored for users with good credit. It can support cash withdrawals up to The limit is 200,000 yuan. Jingdong gold bars have the characteristics of online lending, no collateral, real-time approval, and fast arrival. The extension of use in scenarios can also meet users’ cash needs in various scenarios.

Jingdong gold bars do not need to be mortgaged. You only need to bind a stored-value card or credit card to borrow money easily; for online loans, you can receive the account after the entire process is completed online; real-time approval and fast arrival, the funds will generally be The loan application will arrive within 5-15 minutes after submission. The specific arrival time shall be subject to the bank card arrival status of the beneficiary bank. Moreover, Jingdong gold bars can be borrowed and repaid at any time, and can be repaid in advance or in different periods such as 1, 3, 6, or 12 installments; interest is calculated on a daily basis.

Online loan application conditions:

1. Online loans require applicants to be at least 18 years old and have full civil capacity, and many online loans do not allow current students to apply of.

2. Sesame Credit: Many online loans require authorization from Sesame Credit, so online loans require applicants to have good Sesame Credit. However, different loan products have different standard requirements for Sesame Credit scores. . Applicants are generally required to achieve around five or six hundred points.

3. Personal credit: Some online loans require a credit check, and some do not, but in general, the applicant still needs to have good personal credit.

4. Other conditions: Online loans basically require a mobile phone number and bank card. Especially for mobile phone numbers, online loans will require applicants to have a mobile phone number that has been used for real-name authentication for 3 months or more than 6 months.

Of course, the conditions may be different for different online loan products. The actual situation is subject to the product page display.

Consequences of overdue online loans:

1. Penalty interest will be calculated from the overdue date until the customer repays all the loans. The penalty interest rates of many loan platforms will be higher than the borrowing interest rates. If the customer continues to default on repayment, I am afraid that a lot of penalty interest will be incurred. At that time, the customer will have to repay more and more, and the repayment pressure will also increase. getting bigger and bigger.

2. The loan platform will report overdue information to big data and leave bad records in it. Some platforms or their cooperative lending institutions are connected to the central bank's credit reporting system and may report overdue information to the central bank's credit reporting system, leaving bad information in the customer's personal credit reporting report, thus causing damage to the customer's personal credit.

3. The platform system may carry out risk control on customers’ loan accounts and freeze the limit so that customers can no longer borrow money. At the same time, because the credit is damaged, customers will most likely be blocked from borrowing from other lending institutions, platforms or banks. After all, the other party will also check the customer's credit status during approval. Once problems are discovered, they will naturally refuse to approve the loan.