The one-day transaction of JD.COM IOUs exceeds the limit, which means that users scan the payment code and use IOUs to pay. The daily payment limit for static codes is 500. If this limit is exceeded, a one-day transaction exceeding the limit will be displayed. At this point, the user should change other payment methods, or wait until the transaction limit is restored the next day before making the payment the next day.
What's the problem with restricting white-note trading? Everything will be clear after reading it!
First of all, answer directly.
The reasons for restricting IOUs trading are: IOUs have been used, IOUs are overdue, there are abnormal transactions and personal information, personal qualifications have changed, and the system has misjudged.
Second, the specific analysis
1. The used IOUs can be recovered. After the user purchases goods with IOUs, the used amount will be temporarily frozen until the IOUs repayment form is issued and the user repays the IOUs. This quantity can be recovered by the user.
When users find that the use of white bars is restricted, it is likely that the amount of white bars used before has not been paid back, which makes it impossible to continue using them.
2. Using IOUs to generate overdue IOUs is a loan product that gives credit according to users' credit rating. Once the user's credit rating changes, the IOUs system will restrict users from trading with IOUs.
If the user fails to pay the arrears when using the IOUs, the system will downgrade the user's credit rating, resulting in the user not being able to use IOUs normally.
3. There are abnormal transactions and personal information. If the system detects that the user uses a white strip to send,
Or lend it to others, or use it in other non-compliant payment scenarios, then in order to avoid risks, the white strip system will restrict users from using white strips.
Similarly, if the system detects that the personal information of the current user is inconsistent with the personal information when the user applied for opening the white strip, it will also restrict the user from using the white strip.
4. Personal qualifications have changed. If the user's assets and liabilities have undergone major changes in the process of using IOUs, or the user's current income level cannot bear the responsibility of repaying IOUs bills on schedule, or even the user is in a state of restriction or no capacity for civil conduct and is included in the list of untrustworthy people, then when the IOUs system detects these changes, it is likely to reduce the amount of IOUs used or restrict users from using IOUs for consumption.
5. System misjudgment If the above factors are excluded, the IOUs transaction is still restricted. It is very likely that the system misjudged when monitoring the account risk, resulting in the user's IOUs account being locked.
Because the system misjudged the account, the user can complain to the customer service and provide evidence that his account transaction is safe and there is no credit problem. After verification, the customer service will unfreeze the white account for the user.
If this kind of non-compliant online loan is overdue, it will not affect your personal credit status, but the online loan record will remain in the online loan big data. Search: Winnie Hsin, check your online loan history, overdue details of online loans, debt situation, untrustworthy information, and online loan blacklist.
3. Can I use WeChat to make a loan repayment in JD.COM?
JD.COM IOUs cannot be repaid by WeChat.
At present, the repayment of JD.COM IOUs under JD Finance has not been connected with WeChat, so JD.COM IOUs cannot be paid through WeChat.
When JD.COM borrows the loan, he supports repayment through Jingdong Small Treasury, my savings card and other people's savings cards, but does not support repayment through credit card, WeChat or Alipay.
However, users can withdraw the balance in WeChat to the savings card bound to JD.COM account, and after successful withdrawal, they can pay the bill of JD.COM IOUs through the savings card.
Users can pay directly through WeChat when shopping in JD.COM Mall, but JD.COM IOUs cannot pay through WeChat.
Because JD.COM Baitiao is a business owned by JD Finance, and it does not belong to JD.COM Mall, JD.COM Baitiao is only a payment method of JD.COM Mall, and WeChat payment is also a payment method.
JD.COM Mall supports JD.COM IOUs and WeChat payment, but Jingdong Finance does not support WeChat payment, so JD.COM IOUs cannot be paid through WeChat.
What are the reasons for restricting IOUs trading and how to solve them?
There are many reasons, and the best solution is to ask customer service. White trading encounters a single daily limit or a single daily limit; The transaction order failed to pass the system evaluation, and the white note payment is not supported; Due to overdue IOUs, the quota is frozen. Even if there is a quota available on the page, the white stripe quota is not available in the frozen state. The number of white bars has been locked, and the white bars cannot be used in any scene in the locked state.
Extended data:
Jingdong Finance is a personal financial business brand under JD.COM Digital Technology Group, and has become a personal financial decision-making platform chosen by many users. Jingdong Finance takes platform, intelligence and content as its core competence, and cooperates with nearly 1,000 financial institutions such as banks, insurance companies and fund companies to provide users with professional and safe personal financial services.
Jingdong Finance has launched nearly 10,000 financial products such as white bars, funds, bank wealth management, small coffers, gold bars, small white cards and small gold cards, covering four business segments of wealth management, lending and insurance in stages.
On February 20 17, at the annual meeting of the group, Liu, CEO of the group, announced JD.COM. 12. COM's future strategy. In the field of financial business, Liu introduced that in the future, JD Finance will enter securities, credit reporting and banking, and will apply for its own bank or hold a bank. Judging from the goal of 20 17, the payment sector has been working hard.
Jingdong Finance has a fund agency license, an insurance brokerage license and an insurance agency license, and is a licensed fund and insurance product agency platform. At present, nearly 10,000 financial products of nearly 1,000 financial institutions are sold on the Jingdong financial platform, which has truly created a professional and safe "personal financial decision-making platform" for users. Product categories cover wealth management, lending and insurance, and are divided into four business segments.
The wealth management section provides users with many star wealth management products including small treasury, bank selection, regular selection, funds, gold and so on; The lending section provides users with personal financial services including consumer credit, cash loans and bank loans, as well as star financial products such as white bars, joint small white cards and gold bars; The staging section provides users with a large number of authentic big-name goods, supports various payment tools and staging methods such as white bars, credit cards and small coffers, and creates a zero-threshold/full-staging shopping scene.
The insurance sector provides users with life insurance, property insurance, endowment insurance, critical illness insurance, medical insurance, freight insurance, extended warranty and other insurance and related guarantee services, and can recommend insurance products according to the actual needs of users.
What is the situation that JD.COM white-stripe binding credit card reminds banks that the number of daily transactions exceeds the limit?
In order to ensure the security of the cardholder's capital account, the issuing bank will generally limit the number and amount of credit cards swiped on the same day. It should be due to too many swipes or payments in a single day, which leads to the credit card exceeding the number of single-day consumption. You can call customer service to apply for lifting the restriction, or you can wait until tomorrow to continue using the card.