The loan failure of JD Finance means that the borrower can't meet the loan requirements of JD.COM for the time being, and fails to pass the systematic comprehensive evaluation of the cash withdrawal link, so he can't successfully borrow money.

Jingdong Finance's failure to borrow money generally has the following situations:

1, the loan applicant Xiaobai's credit score is insufficient, and he seldom buys wealth management products in Jing Rong APP, so he can't get the loan application fee and economic strength.

2. If you want to get a successful loan, I suggest you shop in JD.COM for normal consumption or purchase products to show your economic strength and become a quality user in JD.COM.

3. The borrower's debt ratio is too high. For example, he applied for loans on multiple loan platforms and failed the cash withdrawal assessment. This kind of situation wants to succeed in its debt ratio.

4. The credit of the loan applicant is poor. For example, if he applied for a credit service or a credit loan in JD.COM, he had a record of overdue repayment, but now he has an overdue loan. For this loan, he has accumulated a good credit record, and then he will see the evaluation results of the system.

5. The system of Jingdong Finance is being updated, the loan amount is insufficient, or the network appears, and the loan fails.

If you want to apply for a loan successfully, you need to do this:

Step 1: Adjust the pace of application.

After many friends are rejected by online loans, they will rush to the hospital and want to use the method of casting a wide net, but in fact this method is wrong, because it will make their online loan big data more and more beautiful, and the consequences of reapplying are still repeated. Rejected. Therefore, we should control the frequency of loan applications and temporarily stop or reduce loan applications.

Step 2: Analyze the reasons for rejection.

Because everyone's qualifications are different and the loan is rejected, everyone must analyze the targeted improvement of personal qualifications and make appropriate optimization. Bian Xiao suggested that after entering your own relevant information on WeChat, you can find out the reasons for the rejection of online loans in the fastest second, and at the same time get detailed and intuitive online loan credit.

Step 3: Find other ways.

Finally, it is also important to choose online loan products. Some friends only pay attention to whether these products will be investigated, but in fact, many channels will refer to the applicant's third-party credit rating or the ratings of other accounts to comprehensively evaluate the borrower's credit status, so when deciding whether to choose loan products, we must pay attention to their application conditions. If the sesame score is high, you can find a sesame loan. If the JD.COM account is high, you can try the products in Jingdong Finance to save time and effort and increase the loan.

What is the credit score of 2.JD.COM gold bar loan?

In order to get a loan from JD.COM Gold Bar, the customer's JD.COM Xiaobai credit score must reach 85 or above. Of course, the small white credit score is not the only reference standard. Jingdong Financial System will generally review the customer's personal credit report to ensure that there are no bad information records in the credit report.

In addition, the customer must ensure that the account has completed the real-name authentication, the status is normal and has not been appealed, and the savings card is bound; And the loanable amount is not less than 500 (because the single loan amount of JD.COM Gold Bar is at least 500).

3. How many sesame points does Jingdong Finance need?

Jingdong Finance has nothing to do with Sesame Credit Score. If you want to use the loan in Jingdong Finance, then you need to authorize personal credit. As long as the personal credit status is good and there is a certain ability to repay the income, you can use Jingdong financial assets to borrow money. For example, the JD.COM white bars and JD.COM gold bars of JD Finance are all comprehensively evaluated according to personal qualifications, not sesame seeds.

4. What is the credit score of the loan in Jingdong Finance?

Credit score is not the only evaluation criterion. Loans with a credit rating of 90 may not be successful, and you need to operate to know.