; ? With the rise of online lending, online lending platforms such as JD.COM Gold Bar stand out and become star products in the credit industry. Among many people who applied for JD.COM gold bars, some failed. So, what caused the failure of JD.COM gold bar application? What if I fail? Here, let me answer.

According to the official answer of JD.COM Gold Bar, the application of JD.COM Gold Bar failed after systematic evaluation. For those who have not applied for JD.COM gold bars, it means that JD.COM gold bars cannot be used for the time being.

There are many reasons for the unsuccessful application, including:

1. The borrower's central bank credit report has bad records such as overdue mortgage, overdue credit card and bad social behavior.

2. When shopping in JD.COM Mall, it was recognized as abnormal behavior by the system because of frequent returns;

3. Being complained by merchants for many times in JD.COM Mall, it belongs to users with bad consumer behavior;

4. The current income is unstable or the amount of liabilities is too high, resulting in poor repayment ability.

For those who fail to apply for gold bars in JD.COM, they should do so in the future:

1. Pay attention to protecting personal credit in daily life, pay back loans and credit card bills in time, and don't default on utilities, gas and taxes;

2. Use JD Finance to shop, manage money and pay fees in JD.COM.

Above, we introduced the reasons why JD.COM gold bars failed to apply, and what failed friends should do. It should be reminded that the audit results of JD.COM gold bars cannot be changed artificially. Never believe in the so-called "forced opening with payment" to avoid losing money and revealing personal information.

There is a quota for gold bars in JD.COM. Why do you prompt when you borrow money: "Your loan application failed, and you can't provide gold bar loan service for the time being"?

JD.COM gold bars cannot be lent in line. Every time you borrow gold bars, the system will comprehensively evaluate the user's information. If you can't borrow money, it means that the information has not passed the comprehensive evaluation of the system for the time being. The comprehensive evaluation includes Xiaobai credit score, consumption and repayment habits.

Cause analysis:

1, Xiaobai's credit score is reduced: if Jingdong Finance's asset capacity, product use and performance are not good, and there is less shopping and investment in JD.COM, Xiaobai's credit branch will be reduced.

2. Overdue: If the loan is overdue before JD.COM Gold Bar, or if you want to borrow again without repayment, this will not work. Generally, even if there is a quota, you can't borrow money.

3. Early repayment: Repeated early repayment will make JD.COM judge that the loan demand is not high, which will lead to the repayment habit not meeting the loan requirements of JD.COM.

It is recommended to maintain good borrowing and consumption habits and avoid borrowing beyond repayment ability, overdue or other illegal use. JD.COM will regularly review the loan eligibility, and will resume the right to use gold bars after the review.

Extended data:

Xiaobai Credit is based on the data of users' browsing, shopping, investment and wealth management, the use and performance of credit products and the integrity of personal information in JD.COM, and comprehensively evaluates the credit level through big data algorithm. The higher the score, the better the credit and the more rights you can enjoy.

1. To improve personal information, it is best to fill in work information and education level. In addition, it is also important to have a stable residential address. Therefore, it is best not to move or change jobs at will.

2. Be able to maintain high activity in JD.COM Mall and Jingdong Finance. You can buy something in JD.COM shopping mall at any time, and the amount is not limited, but you should actively participate in after-sales comments or drying orders. At the same time, you can also purchase some wealth management products through Jingdong Finance.

3. When handling IOU loans in JD.COM, you must use and repay the loans in strict accordance with the contract, and make loan records. In addition, everyone's loans or credit card arrears in other financial institutions should also be returned on time to prevent a negative impact on their own small white credit score.

Because Xiaobai Credit Branch will make regular adjustments, it is necessary to maintain the existing good living habits after Xiaobai Credit Score reaches the highest credit score, otherwise the score may be lowered.

References:

Jingdong Financial Help Center-temporarily unable to provide services for you. "

Who can tell me what happened when JD.COM Gold Bar showed that your loan application failed and you were temporarily unable to use the loan service?

The loan application is not passed, which means that your information has not passed the comprehensive evaluation of the system and you can't provide gold bar service for the time being. I suggest you keep your consumption record and try again.

Application for opening JD.COM gold bars:

JD.COM gold bar is a credit loan product. Whether it can be opened depends on the comprehensive evaluation of the system. At present, active application for opening is not supported. If the page shows "Can't provide service for you" after clicking on the gold bar entrance, it means that the gold bar cannot be opened for the time being. You can find the entrance of gold bars in the following two locations: (1) Jingdong Financial APP: Home-Borrowing-Gold bars or I-My Gold bars. (2)JD.COM Mall APP: My-My Wallet-Gold Bar.

Extended data:

JD.COM Gold Bar Related Agreement: Personal Credit Report Inquiry Authorization Letter-Gold Bar

Jingdong Finance and its cooperative financial institutions:

I (hereinafter referred to as the authorized person) authorize your company (hereinafter referred to as the authorized person) to inquire, print and save my identity information, personal credit report and credit information (including but not limited to debt information, solvency judgment information and bad information generated when I handle business with the lender) through the basic database of financial credit information, external information service agencies or other legally established credit reporting agencies under the following circumstances. And provide the above information to the basic database of financial credit information, the citizen identity information database of the Ministry of Public Security, China Internet Finance Association, China Payment and Clearing Association, other legally established credit reporting institutions and external information service institutions:

1. The licensee accepts the personal loan business of JD.COM Gold Bar (including the pre-loan, mid-loan and post-loan stages such as application review and withdrawal review, and the business relationship between the licensor and the licensee still exists when the licensee has the loan amount but no loan balance).

2. The authorizer applies for handling the credit objection.

The above authorization period starts from the date when the authorized person signs this authorization letter to the date when all personal loan related businesses involved in the authorization are completed and the authorized person has fulfilled all obligations. All the consequences and legal responsibilities of the authorized person's inquiry beyond the authorized scope shall be borne by the authorized person.

Licensor has fully known and understood the above license terms.

I hereby authorize.

References:

JD.COM Baitiao-Baidu Encyclopedia

Credit Consumption-Baidu Encyclopedia

JD.COM Gold Bar-Jingdong Finance official website

What is the reason for the failure of JD.COM gold bar audit?

There are several reasons for the failure of JD.COM gold bar audit:

1, personal credit is not good. JD.COM Gold Bar will evaluate the borrower's comprehensive credit status before lending. If the personal credit is poor, the audit will not pass.

2. The application materials are invalid. If the submitted audit materials are previous, then the materials may be invalid. For example, if the ID card expires, it cannot be used.

3. Age does not meet the loan conditions. Applying for a loan must meet the age requirement. If they don't meet the requirements, they can't apply successfully.