As far as we know, JD.COM gold bars have multiple advantages compared with bank loans. For example, you can repay freely. You can repay in installments of 1, 3, 6, 12, or you can repay in advance, and you can recycle it as long as there is an available quota. Of course, you should pay attention to the following points:
1. Sufficient credit line: If you lend all the credit lines, you can't continue to use them. Only the borrowed money can be repaid before the credit line is restored.
2. Don't prepay: Although gold bars can prepay, I think it is best not to prepay, because prepayment will reduce JD. COM, you may be judged unqualified, and your gold bars will be closed.
3. Repayment cannot be overdue: overdue gold bars will affect the use of white bars. If overdue is serious, they will be directly prosecuted.
4. White bars are often used: white bars are related to gold bars. If you often use white bars and develop good consumption habits, you may increase the amount of white bars and gold bars. If you want to recycle them, you can.
I always feel that there are many places where gold bars are tied behind, not to mention the high threshold for use. Rejected friends can try to apply for a credit card instead of drooling over JD.COM gold bars. After all, credit card promotion is the favorite of many family members.
What credit card should I apply for if I can't open gold bars? Introduce several most affordable credit cards with low application threshold.
1, China Merchants Youth Card (black)
Application conditions:
1, age requirement: 18-60 years old;
2. Have a stable job and income source.
2. Guangfa DIY Credit Card
Application conditions:
Applicant qualification Any individual who has reached the age of 18, has full capacity for civil conduct, has a legal and stable source of income, and has a good credit status can apply for a personal credit card master card with his valid identity document.