The opening of gold bars is a comprehensive evaluation of the system, and the small white credit score is only one of the reasons, not the decisive factor. You can check whether there are any gold bars at the following two entrances. If not, it means that gold bars cannot be used now.
Jingdong Financial APP: Jingdong Financial App Home-White Strip-Gold Bar
JD.COM app: jd.com app-mine-my wallet-gold bars.
What are the requirements for JD.COM gold bar loan?
Regarding the loan conditions of JD.COM gold bars, there are mainly the following points to be met:
First, the age should be 18 years old or above, with full capacity for civil conduct.
Second, the account has completed the real-name authentication, the status is normal and has not been appealed, and the savings card is bound.
3. Personal credit is good, there is no bad credit record in the credit report, and the small white credit score is above 85 (inclusive).
4. The amount in the account is sufficient (the loanable amount shall not be lower than that of 500 yuan, after all, the minimum single loan amount of JD.COM Gold Bar is 500 yuan).
As one of many fist products under JD Finance App, JD.COM gold bars have always maintained a very good reputation and credibility in the lending sector, and have always been favored by users. As a consumer credit brand under JD Finance, JD.COM Gold Bar has been providing customized cash loan services for IOUs with good credit, which has greatly alleviated the shortage of funds such as stock market unwinding, financial redemption, renting a house and seeing a doctor.
It is understood that JD.COM gold bars are unsecured and serve 24 hours a day. You can borrow money easily by binding stored-value cards and credit cards, and all the processes can be completed online. It takes about 1 working day for the first time to open the audit qualification, and the latest comprehensive credit status of the borrower will be evaluated before lending. Generally speaking, as long as you use white bars, the greater the possibility of opening JD.COM gold bars, the higher the amount. At present, the maximum withdrawal amount of gold bars in JD.COM can reach 200,000 yuan.
In terms of repayment, JD.COM gold bars adopt the daily interest mode, with the daily interest ranging from 2.5 to 9.5, that is, borrowing 1 10,000 yuan, and the lowest daily interest rate is only in 2.5 yuan. You can not only repay the loan with it, but also repay it in advance, with different maturities such as 1, 3, 6, 12, and some users also support 18 or 24 installments. In addition, during the corresponding promotion activities of JD.COM Gold Bar, you can also enjoy interest-free coupons, 50% discount coupons and other benefits, and the discount interest is lower, which brings more benefits to borrowers.
Jingdong Finance's strong platform reputation and financial support have become an important and reliable endorsement of JD.COM Gold Bar. According to public information, the daily average loan of JD.COM Gold Bar has reached 654.38 billion yuan, and the loan balance has exceeded 654.38 billion yuan. The investors include Harbin Bank, Instant Bank, Zhongyuan Bank, Huarong Bank, Yin Bao Bank and other institutions, including almost all licensed consumer finance companies.
Relying on the accumulation of financial technology of Jingdong Finance for many years, the unique intelligent risk control system can not only reasonably evaluate users' personal credit qualifications and risk tolerance, but also provide traceability through blockchain technology to protect users' transaction security for 7×24 hours.
How much can Xiaobai borrow with a credit score of 70? Got it!
; ? Xiaobai credit score is a comprehensive evaluation of users' credit level based on multi-dimensional data, and the score range is between 0- 1 10. The higher the user's credit score, the more benefits he can enjoy. So how much can Xiaobai borrow with a credit score of 70? Does it affect the amount of white bars? Let's take a look together.
How much can Xiaobai borrow with a credit score of 70?
After consulting the human resource customer service of Jingdong Finance, I learned that whether the white credit score has an impact on the white line quota application depends on the comprehensive evaluation of the system, which is subject to the page display. When asked whether the higher the white credit score, the more the quota will be, and the customer service gave the reply that "the higher the white credit score, the better".
However, when Xiaobai's credit changes, it may have an impact on the growth value of users' retail shopping in JD.COM, and credit coupons may have coupons from different booths. For example, with a credit score of 70 points, the user can apply for the deposit relief rights of Youke Yijia (the whole rental houses in Beijing and Wuhan will not participate in the activities for the time being). As for the specific details, please check the page to evaluate the margin reduction ratio.
How to improve Xiaobai's credit score?
JD.COM platform generally evaluates users' credit scores in terms of identity, assets, preferences, performance and social relations. If you want to improve your credit score, you can do the following:
1. Increase the number and amount of purchases on the JD.COM platform, do not return goods maliciously, and conduct more product reviews;
2. Provide complete, effective and true personal information, or improve personal information;
Well, this is the answer to the question "How much can a small white with a credit score of 70?" Generally speaking, the higher his credit score, the more rights he can get.
What are the conditions for the opening of Jingdong Financial White Strip?
1, a member of Jingdong, a mainland citizen aged between 18-55;
2.JD。 The account of COM is normal and active, and the daily use frequency is high;
3. Xiaobai's credit score is preferably above 600, and there are no bad trading behaviors such as malicious bad reviews and malicious returns;
4. Complete real-name authentication and bind the mobile phone number of the real-name registration system;
5. Personal credit information is good and there is no bad credit record.
“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.
As the first Internet consumer finance product in the industry, "White Strip" was initially only provided for users to shop in JD.COM Mall. In fact, it relies on JD.COM Mall to provide users with credit purchase services. In April of 20 15, "Baitiao" 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, etc., extending from credit house purchase service to providing credit loans, covering more consumption scenarios and providing services for more consumers.
2065438+In March 2006, JD Finance launched the first cash loan product-JD.COM Gold Bar, which tailored the cash loan service for IOUs with good credit. It is an extension of IOUs credit in the cash consumption scenario.
JD.COM Gold Bar adopts differentiated credit granting and interest rate pricing, and provides cash loan service with the maximum credit line of 200,000 yuan and the longest installment 12 months, with daily interest, with the daily interest rate not exceeding 0.05%.
On August 20 16, the white stripes were merged into jingdong wallet. As an important channel entrance of Jingdong wallet, white stripes have moved from online to more mobile scenes, such as sogou, Lufthansa Mall and Jingkelong Supermarket.
In addition, Baitiao also cooperated with China CITIC Bank and China Everbright Bank to launch joint credit cards, also known as "small white cards". This is a "internet plus" credit card, which is sought after by young people born in 1990s. It is also the first credit card for many young people. This card further embodies the role of IOUs as credit connectors between the Internet and banks, online and offline, and enjoys the combined rights and interests of banks and the Internet.