The higher the general customer's comprehensive credit rating, the higher the amount of gold bars that can be approved. Most people apply, and the initial amount is usually thousands or tens of thousands.
What you need to pay attention to is that the number of gold bars is not fixed, and then the system will evaluate it irregularly, and then adjust the number according to the latest evaluation results.
To open JD.COM gold bars, the first thing that needs to be satisfied is the users of JD.COM white bars. Because gold bars themselves serve users with good credit. Use white bars for a period of time, and friends with good credit will have the opportunity to open gold bars. The maximum amount of gold bars is 200 thousand, but the amount of friends who just opened is not that high. How can we effectively increase the amount of gold bars?
The simple point is to increase the shopping frequency and consumption quota in JD.COM. Most of them spend money in JD.COM shopping center. If it is an offline merchant that supports Jingdong Payment, you can also use Jingdong Payment as much as possible, so that Jingdong Finance can understand the consumer demand of users, and then increase the amount of gold bars.
There is also maintaining the good credit of IOUs. Use more IOUs, repay on time with IOUs, and occasionally use installments, which can prove that everyone's credit is good, and secondly, you can extract everyone's consumer demand.
In addition, users should pay attention to strengthen the relevance with JD.COM series products, and the summary is to use JD. COM products. For example, it is very helpful to deposit unused idle funds into Jingdong Financial Account.
Finally, I need to remind you that JD.COM Gold Bar is a formal loan to obtain credit information from the central bank. Therefore, after using gold bars, we must pay attention to repayment on time and not overdue. Once it is overdue, it will not only face the problem of overdue penalty interest for gold bars, but also cancel the corresponding records on the personal credit report.
Operating environment:
Apple 12, ios 14
Jingdong Finance Edition 6. 1. 10