JD.COM Gold Bar was approved by Jingdong Finance and Bank, and it was verified by credit information at the meeting.
1.JD.COM gold bars will be re-evaluated every time they borrow money, and the user's account operation will be re-evaluated, and the credit will be checked once;
2. Every time you inquire about the credit, you will leave an inquiry record on the credit report. If there are too many records in a short period of time, it will cost credit investigation;
3. If it is really necessary, it is recommended to apply for gold bars in JD.COM at one time.
Does JD.COM Gold Bar have to check the credit information every time it lends money?
Yes, JD.COM Gold Bar is a cooperative loan between Jingdong Finance and banks, and it will check and submit credit information every time.
Every time JD.COM Gold Bar borrows money, the system will re-evaluate the user's account and query the user's credit record during the evaluation process.
Therefore, users must keep good credit information before they can apply for JD.COM gold bars.
Personal credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law.
At present, it is mainly used in various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.
The main factors that may affect the personal credit risk score are: repayment in loans overdue, failure to repay according to the agreed time limit and repayment amount after credit card overdraft, or too many loan accounts and credit cards.
Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting.
We must pay attention to maintaining good personal credit at ordinary times, and don't let credit problems affect the handling of loans.
The emergence of credit investigation activities stems from the emergence and development of credit transactions. Credit is a special form of value movement based on repayment, including currency lending and commodity credit sales, such as bank credit and commercial credit. Modern economy is a credit economy, and credit, as a specific economic transaction, is the product of the development of commodity economy to a certain stage.
The essence of credit is a creditor-debtor relationship, that is, the lender (creditor) believes that the trustee (debtor) has the repayment ability and agrees to the promise of future repayment made by the trustee.
The appearance of credit investigation makes it easier for banks to know your credit status: they hand over their credit information about you to a special institution for summary, and this special institution will establish a credit file (that is, a personal credit report) for you and then provide it to banks for use.
Credit information system has been widely used and achieved remarkable results. The credit information system has been widely used in the credit risk management of financial institutions, effectively solving the problem of information asymmetry, improving the convenience of public financing, creating more financing opportunities and promoting the development of the credit market. The extensive application of the credit information system has significantly improved the social credit awareness and formed an incentive and restraint mechanism of "keeping promises and breaking promises" in the whole society.
Will you check your credit when you open a gold bar?
Jingdong Finance has been connected to the central bank's credit information system. When JD.COM Gold Bar is opened, the borrower's credit record will be inquired, and each inquiry record will be reflected in the credit report. At the same time, users should repay their money on time after successfully opening JD.COM gold bars. Once the borrower is overdue, it will have a bad credit record.