JD.COM gold bars cannot be divided into 24 periods. JD.COM Gold Bar Loan supports 1, 3, 6 and 12 installments, each installment 1 month, and the longest installment 12 months. Users can log in to Jingdong Financial Help Center to inquire about the loan term of JD.COM Gold Bar. The user's loan term is different, subject to the page display.
According to the JD.COM Gold Bar Loan Service Agreement, the validity of the credit line refers to the period during which you can apply for a loan from the lender. The initial credit line of this contract is valid for one year, but the Lender has the right to adjust the limited term of the credit line at any time.
Both Jingdong Financial Assistance Center and JD.COM Gold Bar Loan Service Agreement indicate that JD.COM gold bars cannot be divided into 24 periods, and the longest period is 12. If the user wants to extend the loan term, he can try to initiate a loan after returning the arrears.
JD.COM Gold Bar is a cash loan service tailored by JD Finance for users with good credit. Jingdong Finance has been connected to the personal credit information system of China People's Bank. Users need to authorize JD Finance to access the credit information system when using JD.COM gold bars.
JD.COM gold bars have the characteristics of high quota, ultra-low interest rate, flexible installment and fast payment. Can provide users with a loan amount of up to 200,000 yuan, with a minimum daily interest rate of 0.025%, usually within 30 minutes.
How many periods can JD.COM gold bars be divided into at most?
JD.COM Gold Bar can apply for up to 24 loans, but the specific number of loans that users can apply for is subject to the page display. In addition, gold bars can only be loaned by installments, and cannot be operated by installments after the loan is successful.
After the loan is successful, the user can only choose to repay in advance or on schedule, and cannot modify the number of installments and the amount to be repaid.
When the monthly loan method is selected, the page cannot only borrow 1, and users can only choose to borrow 3, 6 and 12.
“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.
Log in to Baitiao official website or Jingdong Financial APP- Baitiao, and you can enter the page to apply for activation independently. Users of JD.COM Mall are eligible to activate the "white note" for mall consumption.
The evaluation basis of big data model is the accumulation of user data, which needs to be updated dynamically in real time. Therefore, with the more accurate modeling of big data, the activation probability of users' "white bars" will also increase. At present, JD.COM Consumer Finance has completed the credit score of nearly 200 million users.
Regarding the withdrawal of IOUs, you can receive the withdrawal package regularly, and there are irregular IOUs withdrawal activities. Make a good record of consumer repayment, and you can also get a cash withdrawal reward.
How long is the first phase of JD.COM Gold Bar?
How long is the first phase of JD.COM Gold Bar?
One month, the repayment needs to start from the month after the loan is successful, and the repayment date is the same as the loan success date. If there is no such date in the repayment month, the repayment date is the last day of each month.
For example, if the application date is 65438+1October 3 1, then the repayment date in February is February 28 /29, March 3 1 and April 30.
How long is the validity of JD.COM gold bars?
JD.COM gold bars are currently invalid, but the loan system will be re-examined every time. Please refer to the audit results.
The number of gold bars is given to you by the comprehensive evaluation system. I suggest you keep good repayment behavior and avoid overdue.
At present, the validity period of the quota has not yet been determined.
How long is the loan period of JD.COM JD.COM Gold Bar?
The gold bar loan can be repaid in installments 1, 3, 6, 12 months (period), with the lowest installment 1 and the highest installment 12. The system will evaluate and review the number of installments selected by each person. Please refer to the page.
How long has the JD.COM gold bar expired?
If you want to check the overdue status of JD.COM gold bars, you can log on to Jingdong Financial Computer and click on My Assets-My IOUs-Gold Bar Details to check the details of gold bars, such as bills to be returned and overdue.
Jingdong financial App, click on the home page-borrow money-gold bars-the number of gold bars that can be borrowed-to return all, and view the details to be returned.
How long will it take for JD.COM gold bars to sue?
Usually three months. Hello.
If JD.COM's loan is seriously overdue, he will be prosecuted.
Because at present, JD.COM Baitiao has cooperated with the credit increase record of the central bank, if it is maliciously overdue, it will be blacklisted.
Loans, cars and houses are all problems in the future. It is recommended not to be overdue.
Hope to adopt! Thank you very much
There is no grace period for the credit investigation of JD.COM Gold Bar Loan, and the repayment record of each loan will be recorded. In order not to affect your personal credit, please repay on time. JD.COM Gold Bar will send you overdue reminders on 1, 3, 5, 7, 10 and 15. In addition, we will call you on the 10 day after your gold bars are overdue. In order to better remind users of their debts and remind them to pay them off in time, JD.COM will send letters, newsletters and emails. At the same time, JD.COM has very strict measures to keep user information confidential. Please rest assured, and please pay off the arrears of gold bars as soon as possible and pay attention to your repayment time in time. Overdue gold bars in JD.COM will generate liquidated damages: liquidated damages = total unpaid principal * liquidated damages ratio (0.06%~0. 15%)* days of default (assuming the liquidated damages ratio is 0.06%): 2065438+165438+1October 30, 2007. The repayment dates are 20 17 12.30, 20 18 10.30 and 20 18.28 respectively. If the user fails to repay the loan on February 30, 18, as of February 4, 20 18, the loan has been lent for 35 days during this period, with a default of 5 days. Charge 30 days' interest and 5 days' liquidated damages. Liquidated damages payable in the current period =3000*5*0.06%=9.00 yuan.
How long will JD.COM gold bars be overdue?
As your gold bar account is overdue, your account will be collected normally. Please also settle the arrears as soon as possible according to the repayment time required by the collection staff. At the same time, please pay attention to the repayment time of your gold bar bill and repay it on time to avoid the impact on your credit or normal life due to overdue.