Newcomers who want to open a JD.COM gold bar account need to be over 18 years old, and the JD.COM account has completed real-name authentication and has been bound with a bank card.
The gold bar system will comprehensively evaluate the borrower's personal credit status, consumption behavior, consumption habits, repayment ability, repayment status, debt ratio and other information, and give the credit line.
Jingdong Finance is a personal financial business brand under JD.COM Digital Technology Group, and has become a personal financial decision-making platform chosen by many users. Jingdong Finance takes platform, intelligence and content as its core competence, and cooperates with nearly 1,000 financial institutions such as banks, insurance companies and fund companies to provide users with professional and safe personal financial services.
Jingdong Finance has launched nearly 10,000 financial products such as white bars, funds, bank wealth management, small coffers, gold bars, small white cards and small gold cards, covering four business segments of wealth management, lending and insurance in stages.
JD.COM gold bars do not need mortgage, just bind stored-value cards and credit cards, and easily borrow money; Online loan, all processes can be received after online completion; Real-time approval and quick receipt. Generally, the loan application will be received within 5- 15 minutes after submission. Please refer to the bank card receipt of the receiving bank. Moreover, JD.COM gold bars can be returned as you borrow them, in advance, or in different periods such as 1, 3, 6, 12. Interest is calculated by the day.
JD.COM gold bars do not support manual promotion for the time being, and there is no specific quota review standard. If the borrower is not satisfied with his gold bar quota, you can try so many:
Participate in gold bar withdrawal activities
Borrowers can pay attention to "JD. COM Gold Bar "WeChat official account, leaving a message" I want to withdraw cash ",which can be withdrawn at least once a month. If the withdrawal conditions are met, JD.COM Gold Bar will send a short message to inform the borrower that the withdrawal is successful.
Spend more in JD.COM.
Borrowers can usually buy more goods in JD.COM Mall, receive express delivery in time, try not to return goods, and write less bad reviews; You can also try to buy some wealth management products in Jingdong Finance to show your economic strength and show that you have enough repayment ability.
Maintain good repayment habits.
When using JD.COM gold bars or white bars, pay back on time, and don't be overdue. The system will evaluate it irregularly. If the borrower meets the withdrawal conditions, the system will automatically increase the amount for the borrower.
In a word, how high the new JD.COM gold bar quota is depends mainly on the personal qualifications of borrowers, usually accumulating good consumption records and credit records, and the quota will gradually increase.