1. Default: If the customer breaches the contract during the use of JD.COM gold bars, such as overdue repayment or illegal use of the line, the platform may suspend the customer's borrowing authority.
Solution: The customer needs to return the overdue payment in time, abide by the rules for the use of gold bars, and negotiate with the platform to solve the breach of contract.
2. Poor financial status: If the customer does not have a stable income source or has too much debt, the platform will worry that the customer will not be able to repay the loan on time, thus limiting the loan amount.
Solution: Customers can improve income stability and reduce debt pressure, thus increasing the chances of successful loan application.
3. Bad credit: If the customer's credit record contains bad information, such as overdue for many times, arrears, etc. The platform may reject the loan application.
Solution: customers need to improve their credit records, such as timely repayment of arrears and communication with credit reporting agencies to repair credit. To improve the success rate of the application.
4. Adjustment of platform risk control strategy: In order to control risks, the platform may temporarily adjust the policy of borrowing gold bars, resulting in some customers being unable to obtain loans.
Solution: Customers need to wait patiently for the platform to adjust its strategy, and then try to borrow again after restoring the borrowing function.
5. Network connection problem: due to abnormal network connection, the customer's loan application was not submitted in time, and the application may not pass.
Solution: The customer can change the network environment or resubmit the loan application after the connection is restored.
6. Low activity: Customers can actively increase their activity and increase the demand and frequency of gold bars by using other products and services owned by JD.COM.
Solution: you can buy goods, participate in promotional activities, and use Jingdong to pay. To show the credit demand for gold bars.
7. Expired identity information: deal with the problem of expired ID card in time, apply for a new identity certificate, and re-submit the authentication on the system. Ensure the accuracy and validity of identity information to restore the loan amount of gold bars.
Solution: Customers can apply for a new identity certificate in time, and then upload it to the system for authentication.
8. Abnormal network connection: Before submitting the loan application, the customer should ensure that he is in a stable network environment to ensure that the application can be submitted to the background system smoothly. If the network connection is unstable, you can try to change the network environment to ensure that the application can arrive in time.
Solution: It is recommended to submit the loan application again in a place where the network is stable.
9. Insufficient available quota: If the customer's available quota is less than 500, or the loan quota exceeds the available quota, the system will limit the loan application. Customers can repay part of the gold bar bill first to increase the available amount to meet the loan demand.
Solution: Give priority to repaying some bills and gold bars, so that the available amount of gold bars can meet their borrowing needs.
10. Borrowing frequency is too frequent: if the customer applies for gold bars many times in a short period of time, the system may think that the customer's financial ability is insufficient, and temporarily restrict the continued application for borrowing.
Solution: users who are not in a hurry can try to apply for a loan after a while.
Will the closure of JD.COM IOUs affect credit reporting?
No, no matter whether the customer closes the line or not, as long as there is no overdue behavior in the process of using the JD.COM IOU, it will not affect the credit investigation and will not leave a record of non-performing loans on the credit investigation report. Customers can close the JD.COM IOUs quota at any time. Of course, if you want to use it again in the future, you can also apply for opening it. However, the platform will review the customer's application.