How long will it take for JD Gold Bar to return to the normal limit after it resumes borrowing?

When gold bars resume borrowing, the first thing is to ensure that the gold bar has sufficient credit; secondly, the user information will be evaluated. If the user If the platform has a good credit score, the ability to repay, and the comprehensive score meets the standard, the loan limit can be restored.

1. Before the gold bar limit is restored, users will be required to pay off all individual loans before the limit is restored at one time; after using the order for installment repayment, some users will restore the loan in real time, but the function is still gradually opening, not Available to all users.

2. During the repayment period, users need to ensure that their qualifications and credit status are normal. Otherwise, once the system fails to pass the assessment, the amount may not be recovered even after repayment.

3. If the loan is not restored, the current score of the account is insufficient, or the credit score of the platform is insufficient, such as Xiaobai's credit score is too low; or the repayment ability is insufficient, such as the debt exceeds 50% of the income, or the source of income is lost ; Or a credit blacklist, such as overdue credit, will not meet the requirements.

4. Except for the credit investigation of black accounts that cannot be improved in a short period of time, other deficiencies can be optimized through efforts to improve the credit situation. It is recommended that users maintain good usage behavior, use JD.com to pay more, use Baitiao shopping to pay on time, etc., and improve the personal data information on the JD.com Finance app as much as possible, such as supplementary work information, company address, academic qualifications, etc., which will help improve comprehensive Score.

Advantages of JD Gold Bars: JD Gold Bars is a more convenient lending platform. With the advantage of a strong user base, it has sufficient strength in all financial products to help many users solve their capital turnover problems. Under normal circumstances, funds will arrive in real time after the loan application is submitted, with the slowest time not exceeding 30 minutes.

In addition, there are loans and repayments with daily interest, and no remaining interest is charged on advances. In addition, repayment can be divided into 1, 3, 6, and 12 installments, and some users also support repayment in 18 and 24 installments. When spending money in a hurry, JD gold bars are stolen in JD Finance, which is really good and can meet the actual needs of users.

Operating environment Apple For JD.com users, the credit limit will be restored in real time after the gold bar repayment is successful. If it is not restored for a long time, the customer service staff will proactively contact the customer service staff, who will find the problem and solve it. Jingdong Gold Bar has been deactivated. How long will it take to resume use?

There is no fixed time. It may be restored in 2 hours, or it may be 2 days, or it may not be restored permanently. It depends on why it was deactivated. If the gold bars were frozen and deactivated because they were overdue, the circumstances are minor. It takes 2 hours to recover. If there is no recovery after 2 hours, it means that your account has not passed the comprehensive evaluation of the system for the time being. It is recommended to maintain good consumption records and repayment records.

JD Gold Bar is a product of JD Finance, which was launched in March 2016. It mainly provides customized cash borrowing services for users with good credit, and can support a maximum withdrawal limit of 200,000 yuan. [1] Jingdong gold bars have the characteristics of online lending, no collateral, real-time approval, and fast arrival. The extension of use in scenarios can also meet users’ cash needs in various scenarios.

Jingdong gold bars do not need to be mortgaged. You only need to bind a stored-value card or credit card to borrow money easily; for online loans, you can receive the account after the entire process is completed online; real-time approval and fast arrival, the funds will generally be The loan application will arrive within 5-15 minutes after submission. The specific arrival time shall be subject to the bank card arrival status of the beneficiary bank. Moreover, Jingdong gold bars can be borrowed and repaid at any time, and can be repaid in advance or in different periods such as 1, 3, 6, or 12 installments; interest is calculated on a daily basis.

Jingdong Gold Bar:

The loan amount is 500-200,000 yuan, starting from 500 yuan.

Ant Borrowing:

The limit is 10,000 to 200,000 yuan, starting from 1 yuan, up to 200,000 yuan, the limit selection is more flexible.

Within this range, everyone’s maximum limit is different.

For example, the maximum loan limit for monthly payment baby is 9,000 yuan for Jingdong gold bars and 20,000 yuan for Ant Borrowers.

Instalment period:

Ant Borrowing:

There are 2 installment options: 6 and 12 months (period).

Jingdong Gold Bar:

There are 4 installment options: 1, 3, 6, and 12 months (period).

From the perspective of installment period selection, JD gold bars have greater flexibility.

Repayment method:

Jingdong Gold Bar:

Equal monthly payment: The repayment amount of each period is the same

Monthly payment amount = (loan principal ÷ number of repayment months) + (loan principal - cumulative amount of repaid principal) × monthly interest rate

Monthly repayable principal = loan principal ÷ number of repayment months< /p>

Monthly interest rate = daily interest rate × number of days in this month

For example: On May 16, Monthly Payment Baby borrowed 500 yuan from Jingdong Gold Bar, divided into 3 installments (months), and the daily interest rate is 0.05%.

On June 16, which is the first repayment date, how much will it cost to pay the monthly payment?

Monthly interest rate=0.05% >

Monthly principal repayment = 500÷3=166.66

First month payment = (500÷3) + (500-0) × 1.6% = 174.66

By July 16th, which is the first repayment date, how much will it cost to pay the baby monthly payment?

Monthly interest rate for the next month=0.05x30=1.5%

(June is 30 days, and the interest calculation day is 30 days)

Monthly payment for the next month= 166.66+(500-166.66)×1.5%=171.66

On June 16, which is the first repayment date, how much will it cost to pay the baby monthly payment?

The monthly interest rate of the third month=0.05x31=1.55%

(July has 31 days, and the interest calculation day is 31 days)

The last month Payment=166.66+(500-166.66-166.66)×1.55%=169.25

Total repayment amount=174.66+171.66+169.25=515.57

This process generated an interest of 15.57 .

Loan process:

1. Jingdong Gold Bar

Non-Baidiao users

Follow the page prompts: real-name authentication → add bank card → complete Address information

Baidiao users

only need to verify their identity through the verification code.

The loan will be credited within 30 minutes

Activate the white note → check the amount → fill in the loan amount → fill in the ID number → verify with mobile phone → the loan will be credited

Ant Borrow Bai:

Complete the loan process within 2 hours:

Check the amount→fill in the information→fill in the verification code→the loan is credited

In fact, my loan this time, Jingdong gold bars and Ant Borrowing both arrive within 10 minutes, so the arrival time is almost the same, and both can achieve fast and real-time payment.