To apply for IOUs withdrawal, you need to agree to IOUs withdrawal service agreement and credit authorization agreement. So withdrawing IOUs is a credit check. But as long as it is not overdue, the cash withdrawal record will not be recorded. If the repayment is overdue, JD Finance will upload the overdue records to the credit information system of the People's Bank of China according to the agreement.
Therefore, borrowers should first assess their repayment ability and apply for IOUs withdrawal within an acceptable range to avoid overdue repayment due to insufficient repayment ability.
Do you withdraw cash for credit reporting in JD.COM?
JD.COM borrowed money to withdraw cash for credit investigation. White bars are used for credit reporting on a monthly basis, and the status of individual orders will not be displayed in the credit reporting. In the credit report, the white note is shown as Chongqing Liangjiang New Area Shengji Microfinance Co., Ltd. If you see the company's credit record, then the information of the white note has been uploaded to the credit report.
In addition, the withdrawal shall not be repaid in installments, and the withdrawal principal and daily interest will be included in the minimum repayment amount of IOUs.
Do you collect credit on IOUs?
White notes were recorded at the meeting. The specific consumption details of IOUs will not be reflected in the credit report, but the liabilities will be updated monthly according to the bill. For example, if a user spent 300 yuan yesterday and 400 yuan today, then the debt is 700 yuan. 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.
Do you take credit at the IOU meeting?
Credit check of credit notes.
Specific circumstances:
1. Regarding the risk of bad debts caused by "IOUs", JD.COM said that he has the conditions to access the credit information system of the People's Bank of China, and he will be able to inquire and report customers' default information.
2. At the same time, in order to reduce the bad debt rate, JD.COM has interacted with the central bank, which can not only find some personal credit records, but also upload these records to the central bank if users cheat in JD.COM and maliciously fail to repay.
This will affect personal credit, and will also affect bank loans in the future.
4. The general repayment in loans overdue will lead to the existence of a bad credit record for five years, so it is necessary to ask for the arrears and keep a good repayment record for five years before it can be eliminated. Bad credit records generated by overdue repayment of ordinary credit cards will be kept in the credit information system for two years.
5. In rare cases, if the personal credit record is bad due to the responsibility of the bank, you can communicate with the bank, and the bank will apply to issue relevant instructions to the central bank to correct it. If the impact of your default repayment in JD.COM is slightly less, you will leave a record of overdue, and there will be resistance when applying for a loan.
Extended data
Credit benefits:
1, saving time:
A lot of information the bank needs to know is in your credit report, so you don't have to spend so much time investigating and verifying the authenticity of the information you filled in the loan application form. So the first advantage of credit reporting is to save your time and help you get a loan faster.
2. Easy to borrow:
As the saying goes, it is not difficult to borrow again. If your credit report reflects that you are a person who pays on time and earnestly fulfills the contract, the bank will definitely like you. Not only can we provide credit services such as loans and credit cards, but we may also give preferential treatment on the amount and interest rate.
3. Credit reminder:
If it is recorded in the credit report that you borrowed money and didn't pay it back, the bank must be cautious when considering whether to provide you with a loan. Banks are very likely to let you provide mortgage, guarantee, or reduce the loan amount, or raise the loan interest rate, or refuse to give you a loan.
If the credit report shows that you have borrowed a lot of money, the bank will be very cautious, for fear that you may refuse to provide you with more loans because you have too much debt to bear. This reminds you to cherish your credit history and consciously accumulate your credit wealth.
4. Fair credit:
Another great advantage of credit report is that it can help you get a fairer credit opportunity. The Credit Information Center provides the bank with an objective record of your credit history, which allows the facts to speak for themselves, reduces the influence of subjective feelings and personal emotions of loan officers on your credit card application results, and gives you a fairer credit opportunity.