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Does JD.COM borrow money to make a credit report?
1.JD.COM borrow money to make a credit report?

JD.COM loan is for credit investigation, so users must repay the loan on time after handling it in JD.COM. There can be no credit report for overdue repayment, and there will be penalty interest. The longer the time, the more penalty interest will be generated and the later repayment burden will be aggravated. In fact, users can borrow money from friends around them if they can't repay on time.

If the loan on JD.COM is credited, the overdue record will be kept in the credit report for 5 years after the borrower returns it, and will disappear automatically after 5 years. If a record of arrears will always be recorded in the credit report, it will never disappear.

In JD.COM, loans are generally handled through JD.COM gold bars, while in JD.COM, it is 200,000 yuan. You don't need mortgage interest when you borrow money. With sufficient funds, there are 1, 3 and 6 issues.

In order to avoid not being able to repay the loan on time, what kind of income does the user use to repay the loan? If your personal income is not much, you should borrow carefully at this time. If the personal income is relatively high, then you can rest assured that the loan.

Version information: Based on JD Finance version 6.3.30, Apple13 (IOS15.4.1system) and Huawei mate40(Har).

Second, can I get a loan with a credit record?

You can apply for a loan if you have a bad credit record. Generally speaking, you can apply for a loan as long as there are no three consecutive or six accumulated overdue credit reports in the last two years. However, before lending, users can check their own credit information, then consult the loan bank's requirements for credit information, and then choose a bank loan that meets the credit information requirements.

Banks must have certain requirements for credit reporting when handling loans. If the credit information meets the requirements, other conditions can be met before lending. If other conditions cannot be met, the bank will refuse to apply for a loan at this time. Therefore, you can consult the bank before handling the loan and apply again after meeting the conditions.

After the bank loan is processed, the borrower shall repay the loan on time, and there shall be no overdue repayment. Penalty interest will be generated after overdue repayment. The longer the overdue time, the more penalty interest will be generated, and the later repayment burden will be aggravated. Moreover, the overdue records will be uploaded to the credit information center, and the subsequent loan application will be affected after the credit information becomes worse.

If you can't apply for a loan due to poor personal credit information, you can apply for a loan from a private institution at this time. However, the loan interest of private institutions is relatively high. However, if you can't repay on time in the later period, you will be charged, and there is the possibility of door-to-door collection, which will seriously affect your normal life. So you should be careful when handling private loans.

3. Can I get a loan after I get the credit report?

no