White stripes will affect the credit report.

White stripes have been fully connected to the credit information system, so the use of white stripes will affect credit information. However, the impact is divided into two aspects. If each installment is repaid on time, it will help to maintain personal credit information and have a positive impact on personal credit information. Overdue repayment will adversely affect personal credit information, and it will be more difficult to apply for mortgage, car loan and credit card in the future.

JD.COM Baitiao is the first Internet credit payment product launched by JD.COM. It conducts credit evaluation through big data and provides credit payment services for users with high credit rating and consumer demand. Providing a consumption experience of "consumption first, payment later, real-time approval and arbitrary installment" has established Jingdong Finance's leading brand position in the consumer finance industry. JD.COM Baitiao allows users to enjoy the service of paying first and shopping in installments in JD.COM Mall, with the longest installment of 24, and the execution interest rate is lower than that of bank credit cards. It has opened up O2O(JD.COM to the home), global purchase and product crowdfunding in JD.COM system, and gradually covered the fields of renting, tourism, decoration, education and wedding in the later period, providing credit consumption services for more consumers.

In positioning, "JD. COM White Strip is a credit payment service for users with high credit rating and consumer demand through the credit evaluation of big data. Users can enjoy the service of paying first and shopping in installments in JD.COM Mall, with a maximum of 24 installments. Bills can also be repaid in installments, with the lowest repayment rate and lower execution rate than bank credit cards. Jingdong Finance Consumer Finance has opened more than 1 100 million users. "White Strip" has also opened up O2O(JD.COM to Home), global purchase and product crowdfunding within the JD.COM system, and then gradually covered the fields of renting, tourism, decoration, education, wedding, etc., extending from credit house purchase service to providing credit consumption loans, covering more consumption scenarios and providing credit consumption services for more consumers.

The service scene of JD.COM Baitiao has been gradually extended, and it has cooperated with nearly 10 million online and offline merchants, covering life and entertainment, business travel, education and training, communication, leasing and other industries. Cooperate with the bank to co-sign the electronic account "White Strip Flash Payment", expand the white strip payment to offline through NFC technology, and further broaden the use scenarios of white strip payment by binding WeChat payment. In addition to providing convenience for users to pay by installments at will, Baitiao launched the official creative product store-Time Grocery Store, adhering to strict aesthetic standards and quality standards, creating and selecting various beautiful and interesting life gadgets for users, and establishing a healthy and quality life attitude with young people.

Will the closure of IOUs in JD.COM affect the credit report?

After the IOUs are closed, there will be no IOUs on the loan record. Only when users use white stripes will there be credit information on the loan record.

The IOUs have been closed, so users can't use IOUs, and naturally there will be no loan records. After the IOUs are closed, users can reopen IOUs, reopen IOUs and continue to use them, and then new loan records will be uploaded to the credit information.

“JD。 COM White Strip is the first Internet credit payment product in the industry, which allows users to enjoy the consumption experience of "consumption first, payment later, real-time approval and arbitrary installment", and quickly becomes an industry model, laying the leading brand position of Jingdong Finance in the consumer finance industry.

In positioning, "JD. COM White Strip is a credit payment service for users with high credit rating and consumer demand through the credit evaluation of big data. Users can enjoy the service of paying first and shopping in installments in JD.COM Mall, with a maximum of 24 installments. Bills can also be repaid in installments, with the lowest repayment rate and lower execution rate than bank credit cards. Jingdong Finance Consumer Finance has opened more than 1 100 million users.

Since then, "Baitiao" has also opened up O2O(JD.COM arrives at home), global purchase and product crowdfunding within the JD.COM system, and then gradually covered the fields of renting, tourism, decoration, education, wedding and so on, extending from credit house purchase service to providing credit consumption loans, covering more consumption scenarios and providing credit consumption services for more consumers.

JD.COM Baitiao's service scene has gradually expanded, with nearly 10 million online and offline merchants, covering life and entertainment, business travel, education and training, communication, leasing and other industries. Cooperate with the bank to co-sign the electronic account "White Strip Flash Payment", expand the white strip payment to offline through NFC technology, and further broaden the use scenarios of white strip payment by binding WeChat payment.

In order to broaden financing channels and expand business scale, Internet consumer finance institutions and consumer finance companies have chosen ABS as a new financing breakthrough. For JD.COM IOUs ABS products, users use IOUs to shop first, and then pay. JD.COM reorganized IOUs installment bonds and sold them to financial institutions to obtain liquidity in advance.

At present, white ABS products have been listed and issued in four phases, with quotas of 800 million, 654.38+0.2 billion, 2 billion and 654.38+0.5 billion respectively. At the same time, the issuance process of white ABS has also changed from the previous approval system to the filing system for the first time, which means that the capital flow speed of white ABS will accelerate in the future.

Insiders pointed out that the credit ability under the new wind control is an important performance of financial technology, and asset securitization is precisely the best way to reflect this credit ability.

Will the cancellation of JD.COM IOUs affect credit reporting?

JD.COM IOUs have been cancelled after repayment, and then re-issued IOUs, so the loan records and repayment records of IOUs will still be recorded. JD.COM IOUs are loan products for credit reporting. As long as you use IOUs, there will be loan records for credit investigation. However, if the user cancels the white note, the records that have been credited will not be deleted, and this part of the records belongs to personal credit.

There is a loan record in the credit information, so that users will not become credit information users and then apply for loans. Financial institutions can also evaluate the repayment ability and willingness of users through the loan record of IOUs. The record of timely repayment of IOUs is a good credit record, which can help users improve their comprehensive credit score. As long as the white stripes are used, there will be credit records, but if they are not used later, there will be no records.

After the IOU is paid off, the user cancels the IOU, and then can reopen the IOU. Reopening the IOUs needs to pass the system audit, and it needs to be reopened at intervals if the IOUs fail to pass the audit.

Online loan big data can reflect the real situation of online loans. If there are too many loans, it is recommended to know your credit data well. Search: A quick search by Bejian can generate a big data report. Although there are differences between the two, in order to avoid personal inability to repay bad debts, bank loans will also pay attention to the credit situation of big data. Bad credit will affect many rights.

Extended data:

Will you go to the credit office if the overdue debt is one day?

If the IOUs are overdue by one day, they will be collected at the meeting. JD.COM Baitiao has been fully connected to the credit information system of the People's Bank of China. As long as the debt is overdue, no matter it is overdue 1 minute or one day, it will be collected at the meeting. One day overdue, as long as the money is paid off within the current overdue period, then this short and occasional overdue has little impact on personal credit information. Long-term and continuous overdue records of IOUs will cause personal credit stains.