;? With the rise of online loans, Jingdong Jinjiao and other online lending platforms stand out as star products in the credit industry. Among the many people who apply for Jingdong Jinjiao, there are also applications that do not pass. So, what caused the Jingdong gold bar application did not pass? What should I do if I don't pass? Here, will be answered.
According to the answer given by the official Jingdong Jinjiao, the Jingdong Jinjiao application is not passed is given by the system after evaluation. For those who apply for Jingdong Gold Bar failed, it means that they are unable to use Jingdong Gold Bar for the time being.
There are many reasons why the application is not passed, including: 1, the borrower's central bank credit due to mortgage overdue, credit card overdue, social public **** poor behavior, etc., there is a bad record; 2, in the Jingdong Mall shopping, because of the return and exchange of goods frequently, the system is recognized as anomalous behavior; 3, the Jingdong Mall among the merchants of the many complaints, belonging to the consumption of behavior 4, the current income is not stable or the amount of debt is too high, resulting in the repayment ability is not very strong. For those who have not passed the Jingdong gold bar application, they should do so in the future: 1, pay attention to protect their personal credit in their normal lives, return loans and credit card bills in a timely manner, and do not default on utility bills, gas bills, taxes; 2, more in the Jingdong merchandise shopping, and through the use of the Jingdong financial management, payment of bills. Above, for you to introduce the Jingdong gold bar application did not pass the reason, and did not pass the friend how to do. We need to remind you that the Jingdong gold bar audit results can not be manually changed, we must not believe the so-called "pay strong open", so as to avoid the loss of money, leakage of personal information.Jingdong Jinjiao have quota, why borrowing will prompt: "your loan application has not passed, temporarily unable to provide Jinjiao borrowing services"?
Jingdong Jinjiao does not have a quota can borrow, each time the operation of Jinjiao borrowing, the system will be on the user's information to carry out a comprehensive assessment. If you can't borrow, it means that the information temporarily fails to pass the system's comprehensive assessment, which contains the Xiaobai credit score, consumption, repayment habits and so on.
Reason analysis:
1, Xiaobai credit score is reduced: if the asset capacity, the use of products of Jingdong Finance and performance is not good, did not do much shopping and investment in Jingdong, etc., will lead to Xiaobai credit score reduction.
2, there has been a late: if in the Jingdong Jinjiao previous borrowing money has been late, or do not pay back to want to borrow again, this is not feasible, usually even if there is a quota is not able to borrow.
3, early repayment: many times early repayment will let Jingdong judgment borrowing demand is not high, therefore leading to repayment habits can not meet the requirements of Jingdong borrowing.
It is recommended to maintain good borrowing, consumption habits, do not occur over the repayment capacity of the borrowing, overdue or other violations of the use of the situation, Jingdong will regularly review the qualifications of the borrowing, review through the restoration of the use of gold bullion privileges.
Extended information:
Small white credit is based on the user's browsing, shopping, investment and finance, credit product use and fulfillment, personal information integrity and other dimensions of data, through big data algorithms, the credit level gives a comprehensive assessment. The higher the score, the better the credit, and the more rights and benefits you can enjoy.
1. Improve your personal information, preferably by filling in your job information and education level. In addition, it is also important to have a stable residential address. Therefore, it is better for people not to move and change jobs at will.
2, be able to maintain a relatively high level of activity in the Jingdong Mall and Jingdong Finance. People can often buy some things in the Jingdong Mall, the amount is not limited, but actively participate in the after-sale comments or sunshine. At the same time, people can also buy some financial products through Jingdong Finance.
3, when applying for the Jingdong Baijiao loan, you must use and return the loan in strict accordance with the contract, and maintain a good borrowing record. In addition, you should also return the loans or credit card debts in other financial institutions on time, in order to prevent a negative impact on your Xiaobai credit score.
Because the White Credit Score is adjusted regularly, it is important to maintain your existing good habits after you have reached the maximum credit score or risk having your score lowered.
References:
Borrowing application has not been passed, it means that your information has not passed the system's comprehensive assessment, temporarily unable to provide you with gold bar service it. It is recommended that you maintain a good record of consumption and then try.
Apply for the opening of the Jingdong gold bar:
Jingdong gold bar is a credit borrowing products, can be opened according to the system's comprehensive assessment of the situation, does not support the opening of the initiative to apply for the opening of the click on the entrance of the gold bar, such as the page displays "unable to provide you with services," that is, you are unable to open the gold bar for the time being. You can find the gold bar entrance in the following two locations: (1) Jingdong Finance APP: Home - Borrow money - gold bar or me - my gold bar. (2) Jingdong Mall APP: My - My Wallet - Gold Bar.
Expanded Information:
Jingdong Gold Bullion Related Agreement: Personal Credit Report Query Authorization - Gold Bullion
Jingdong Finance and its partner financial institutions:
I (hereinafter referred to as the Authorized Person) authorize you (hereinafter referred to as the Authorized Person) to handle the following business or the following circumstances, you can be through the basic database of financial credit information and the external information service agencies or other legally established credit reporting agencies Inquire, print and save my identification information, personal credit report and credit information (including but not limited to debt information and judgment of debt repayment ability, as well as adverse information arising from my business with lenders), and provide the above information to the Financial Credit Information Base Database, the Ministry of Public Security's Citizen Identity Information Database, the Internet Finance Association of China, the Payment Clearing Association of China, and other legally-established credit reference agencies. institutions, and external information service institutions to provide the above information:
1. The authorized person accepts the personal loan business of Jingdong Jinjiao (including the pre-credit, credit, and post-loan phases such as application review and drawdown review business, and the business relationship between the authorized person and the authorized person still exists if the authorized person has borrowing quota at the authorized person but does not have a borrowing balance).
2. The Authorized Person applies for credit objection processing.
The term of the above authorization shall be from the date of the Authorized Person signing this authorization to the date when all personal loan related business involved in the authorization is completed and the Authorized Person has fulfilled all obligations. The authorized person shall bear all the consequences and legal responsibilities for any inquiries beyond the authorized period.
The Authorized Person has been fully aware of and understands the above authorization terms.
The authorization is hereby granted.
References:
Beijingdong White Bar-Baidu Wikipedia
Credit Consumption-Baidu Wikipedia
Beijingdong Gold Bar-Beijingdong Financial official website
What is the reason for the failure of the audit of the Jingdong Gold BarThe reasons for the failure of the audit of the Jingdong Gold Bar are as follows:
1, the personal credit is not good. Jingdong Jinjiao will assess the borrower's comprehensive credit situation before lending, if the personal credit is not good, the audit can not be passed.
2, application information is invalid. If the submitted audit information is before, then the information may be invalid, such as the expiration of the ID card can not be used.
3, age does not meet the loan requirements. Applying for a loan must meet the age requirements, how do not meet then, then you can not apply successfully.