When applying for JD gold bars, we need to pass the review before we can release the money. But some people fail to pass the review when applying. What are the reasons for failure? Let’s take a look at these 5 main reasons.

What are the reasons for JD.com’s gold bar review failure

1. Bad personal credit report: There are bad credit records in the user’s personal credit report, such as overdue records, bad debt records, and compensation records. Etc., these bad credit records will cause users to fail the loan review of gold bars. Solution: If a person has a bad credit report, he or she needs to pay off the overdue debt first to minimize the negative impact of the bad record, and then wait for the bad credit record to be automatically deleted.

2. High personal debt ratio: There are a large number of unpaid debts in the user's credit report, which will lead to an increase in the user's debt ratio. When the debt ratio exceeds 50%, the user's repayment ability will decrease. The decline in repayment ability means that the risk of gold bars overdue increases, so users will be unable to pass the loan review. Solution: Users need to pay off part of their debts in advance, so that their personal debt ratio will be effectively reduced. Or actively improve personal repayment ability and increase personal income.

3. Invalid application information: If your application information is from a long time ago, then the information may be invalid. Common problems include expired ID cards, canceled bank cards, mobile phone numbers that have not been used for a long time, etc. . If your application for JD gold bars is rejected, you can check your account information.

4. Age discrepancy: We all know that applying for a loan must meet the age requirement. If the applicant is not over 18 years old, no matter whether he is already working or not, he cannot apply for Jingdong gold bars. In addition, if you have used Jingdong Baitiao before but had overdue repayments, it may also cause your Jingdong gold bars to fail to pass the review.

5. Changes in credit qualification conditions: The user's credit qualification conditions will change, and each gold bar loan application will be reviewed in real time based on the user's current and historical credit performance, so it is normal to fail to pass the loan review Condition. Solution: Users can maintain good consumption habits and try to apply for gold bars later.

In fact, there are many reasons that can lead to audit failure, and the above five points are the main reasons. If your audit fails, you can see if there are problems in these aspects.