JD。 COM gold bar: it is a cash loan service tailored for users with good credit. JD.COM gold bars belong to credit loan products. Evaluate users' usage through the system. If the user can't apply for JD.COM gold bar loan or has no entrance to JD.COM gold bar, it means that the user information has not passed the system evaluation for the time being and can't provide gold bar loan service for the user.

Extended information JD.COM gold bar charging standard:

(1) daily interest calculation mode: current interest payable = daily interest * loan days; Daily interest = current payable principal (all outstanding principal) * daily interest rate;

(2) Calculation method of monthly interest: repayment amount per installment = loan principal/loan installment+loan principal * monthly loan interest rate+liquidated damages (if any);

(3) If the loan principal and interest of the current period are not fully repaid on or before the repayment date, it shall be deemed as overdue, and the number of days of default shall be counted from the overdue date.

(4) If it is overdue for more than two times, the liquidated damages for each period shall be calculated cumulatively (the amount of liquidated damages shall be rounded to two decimal places).

References:

What is -JD.COM gold bar?

References:

Jingdong Finance-Why don't I have JD.COM gold bars?

References:

Finance-JD.COM gold bar charging standard in JD.COM.