Bad personal credit, high debt ratio and raising the credit threshold of the platform will reduce the amount of debt owed by JD.COM.

1. Bad personal credit: overdue repayment due to customer's debt. Although the arrears were paid off later, the overdue situation was reported to the central bank's credit information system, leaving a bad record in the personal credit information report, so personal credit was still damaged. If JD.COM gold bars or other credit products are overdue, it will indirectly affect the IOUs.

Excessive debt ratio: the debt ratio of users' credit information is too high. In order to reduce the risk, the IOUs system will also actively reduce the amount.

The platform raises the credit threshold: After the publication of the personal consumption loan ceiling, many platforms have adjusted the credit lines of various users in Colombia to varying degrees. For example, the amount of micro-credit varies from 300,000 to 200,000, and JD.COM IOUs may also be adjusted, resulting in a decrease in the amount of users.

JD.COM White Bar 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 has quickly become an industry model, laying the leading brand position of Jingdong Finance in the consumer finance industry.

What is the sudden decrease in the number of white stripes in JD.COM?

There are several reasons for the sudden decrease in the amount of IOUs in JD.COM:

1, personal credit is bad. In the process of using IOUs or other loans, IOUs users have overdue behavior and have bad records on personal credit information, which may reduce the IOUs quota of users.

2. The debt ratio is too high. The user's credit reporting debt ratio is too high. In order to reduce the risk, the IOUs system will also actively reduce the amount.

3. The platform raises the credit threshold. The platform is standardized, and the requirements for user qualifications are improved. Some users' comprehensive qualifications are not up to standard, and their credit lines will also be reduced.

Extended data:

“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.

2065438+March 2009, according to the statistics of the referee document network, more than 200 people have used JD. COM white strip "fraud. According to the verdict, the average age of the defendants in 107 is 28 years old. Take JD as an example. The two courts in Changsha pronounced that college students accounted for nearly half of the defendants. The defendant's maximum sentence was 19 years, with an average sentence of 2.35 years. In addition, the number of college students deceived mentioned in the judgment exceeded 362, which became a more conspicuous group among the victims.

What do you mean by the sudden drop in the number of white bars in JD.COM?

The sudden decrease of IOUs in JD.COM is due to the platform's reduction of authorization amount. There are many reasons for the decrease of IOUs in JD.COM, such as poor personal credit, high debt ratio, prepayment, prepayment and overdue repayment. Generally, it is caused by overdue repayment. Many people can't return it on time because of overuse of IOUs.

JD.COM IOUs must be repaid on time after use, and there can be no overdue repayment, because there will be penalty interest after overdue repayment, and the longer it is delayed, the more penalty interest will be generated. And it will be collected after overdue repayment. The common way of collection is to call the borrower, which will adversely affect personal life.

In fact, users can repay the loan in installments after using JD.COM White Strips. The number of stages is 3, 6, 12 and 24. If you choose to repay the loan in advance after installment, you will still receive installment interest, and the interest will be subject to the page display. It is best to consider your monthly income in the selection stage.

It is worth noting that overdue repayment of JD.COM IOUs will affect personal credit reporting, and poor credit reporting will affect the handling of various loans, such as car loans or mortgages. In order to avoid overdue repayment after use, users should consider their repayment plan in advance before using JD.COM White Bar.

Why did the IOU suddenly drop? The four most common reasons

The decrease in the available amount of IOUs is usually due to the following reasons:

[1] has expired. After the amount in the IOU is used up, it must be paid off before the repayment date. If the repayment date is past, it is overdue. Once overdue, the system will reduce the amount owed by the user.

2 Cash withdrawal: some users can withdraw cash, but most users can't. If the system finds that the user uses the white strip tx

, its white bars will be reduced or even closed.

3 The online lending platform was criticized by the industry for rectification. With the acceleration of the rectification of the Internet financial platform, the amount of consumer online loan products such as flower buds and white bars has dropped in a large area.

[4] New credit problems, such as the change of big data or the addition of overdue records in credit information, make JD IOUs have higher credit requirements for borrowers. If the borrower is overdue in the process of using the loan, the credit limit may be reduced.

An increase in debt ratio means a decrease in repayment ability. The system will conduct comprehensive evaluation on users from time to time. If it is found that the current debt ratio of users has increased, the borrower's debit amount will be reduced to avoid the loan risk.

[6] Personal materials are untrue, and the system verifies the information and finds that the information submitted by the borrower is inconsistent with the facts. In order to avoid the risk of borrowing, the amount deducted by users will be reduced.

If your loan amount is reduced, there will usually be a prompt. Do not violate the rules in daily use and maintain good repayment ability. The amount of IOUs is basically increasing.