Jingdong gold bar suddenly can not borrow may have the following reasons: 1, system maintenance The system of gold bar is required to maintain on a regular basis, if the user does not have any recent violation of the operation, but found themselves unable to apply for gold bar, then you can query to see whether the gold bar system is under maintenance. If it is confirmed that the system maintenance or network problems caused by the inability to use the gold bars, then the user can directly contact customer service, to tell their own situation, you can also choose to restart the network or wait for a period of time to try to borrow gold bars. 2, personal bad credit If the user has borrowed other platforms in the near future, and in the use of loans in the process of late and other bad behavior, then the system of gold bars can also be queried, and will affect the user's application for the results of the gold bars. After a comprehensive assessment of the system, although the user is not the use of gold bars overdue, but the system detects the user's current bad credit, but also in order to avoid the risk of borrowing and refusing to grant loans. 3, repeated default behavior Users who have used the gold bar should know that, when applying for gold bar loans, early repayment is not required to pay the handling fee. Because of this, many users will choose to use the early repayment method to repay, but do not know that early repayment is a breach of contract, and will make the gold system suspects that the user's demand for loans, in order to avoid wasting resources, it is very likely to refuse to grant loans.