First, people who can borrow money
At this time, JD.COM gold bars, like ants borrowing, are only open to some people. If you want to use JD.COM gold bars, you must be a user who has written white bars and maintained a good credit record. However, users who require a sesame credit score of 600 or above have the opportunity to try it.
Second, the loan amount
Judging from the current general quota, the amount of gold bars in JD.COM is relatively low, which is basically below 50,000 yuan. As advertised, there are very few people who withdraw 65.438+10,000 yuan at a time. The amount of ant borrowing is determined according to the sesame credit score. According to different scores, the loan amount that users can apply for ranges from 1000-50000 yuan. There is little difference between the two in the approval of loan amount.
Third, the withdrawal method
Once the JD.COM gold bar is applied, it will be directly transferred to the bound bank savings card without withdrawal; After the ant loan application is successful, the borrowed money is transferred to the balance of Alipay, and you need to withdraw it yourself. This can be said to be an obvious difference. At one time, JD.COM gold bars gained the upper hand slightly, which saved the action of withdrawing cash, which was convenient and neat.
Fourth, loan interest.
Then, let's look at the loan interest: the longest repayment period of JD.COM gold bars is 12 months, and the daily loan interest rate is currently 0.04%, which can be repaid as you borrow it; The longest repayment period of "borrowing" is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the borrowing. In contrast, the daily interest rate of gold bars in JD.COM is temporarily cheaper than borrowing.
5. Default interest for overdue repayment
Let's look at the interest rate of overdue penalty interest. The current overdue penalty interest of JD.COM gold bars is charged at 0.06% of the unpaid amount, and the overdue penalty interest of ants borrowing money is charged at 0.05% of the unpaid amount. By comparison, the overdue penalty rate of JD.COM gold bars is much higher than that of loans.
In fact, there are many platforms similar to JD.COM gold bars and ant flower beds. You can choose according to your own needs.
Question 2: What's the difference between JD.com white bars and JD.COM gold bars?
1, JD.COM white bars are mainly used for installment shopping in JD.COM Mall, and JD.COM gold bars serve cash loans;
2. Only after the JD.COM White Bar is activated can the gold bar be activated according to the personal credit situation.
Question 3: What are the white bars and gold bars of 3:JD.COM? You need some time to open them. JD.COM's white stripes are also a landscape. I hope to adopt them. Thank you.
Question 4: How can 4:JD.COM gold bars be in the internal testing stage? Only a small number of users with good credit can use it. When the system is perfect, they will be officially launched, but not all users can use it. At least you have to have a white note first, and then you can see whether your credit is high or not. Users who feel white-hot above 90% are eligible! Say I'm 68' s white fever!
Question 5: What about 5:JD.COM gold bars? Hello! JD.COM Gold Bar is a cash lending service provided by JD.COM Mall. At present, JD.COM gold bars are still in the testing stage, and only a few people can use them. As for when it will be popularized, it will take some time (the specific time will be decided by the government).
Question 6: What is the use of gold medal members in 6:JD.COM Mall? Sometimes some discounts will limit the participation of users with gold medals and above, such as lucky draw and receiving large coupons.
Question 7: What's the difference between 7:JD.COM gold bars and ant IOUs? Open the threshold: if you don't want to open the gold bar, you can open it if you want, and the same is true for borrowing. There are certain conditions. To open a gold bar, you must open a white bar. Users, and maintain a good credit record; Only users with sesame credit score above 600 have the opportunity to receive it.
The quota is different: at present, the quota of gold bars is around 50 thousand; Some users can get a maximum amount of 200,000 yuan, and the loan amount is based on Alipay Sesame Credit. The loan amount applied for varies from 1, 000-50,000 yuan. Users who need money badly can get it by improving their consumption records and sesame credit scores.
Question 8: What happened to 8:JD.COM gold bars? I thought you could open them with gold bars! 30: 00, I am the same as you 13 days ago. At that time, I told the customer service staff that the Jingdong Financial APP was opened in seconds today, but the quota was a little small, only 12000.
Question 9: What are JD.COM gold bars? Which is better, a credit card or a credit card?
Question10: When did JD.com's gold bar quota start? I have never heard of JD.COM gold bars. There are 6,000 places in JD.COM after the certification of IOUs. According to the consumption situation every month, the amount of withdrawal package is different. Generally speaking, the withdrawal package needs to be used manually at the beginning of the month.