The gold bar loan is jointly funded by Jingdong Finance and Cooperative Bank, and the contributing bank is obliged to report your credit status, so every loan of gold bar will be truthfully reported. In order not to affect personal credit, please repay on time. At the same time, please refer to the credit report of China People's Bank.

Reporting credit information will help other financial institutions to evaluate your personal credit status, increase your personal credit and get better financial services. If your credit record is not on the credit report or incomplete, for example, when you are making loans such as mortgage and car loan, it is difficult for banks and other financial institutions to judge your credit situation. Therefore, it is very important to repay on time and accumulate good personal credit.

Extended data:

Methods of maintaining credit information

First of all, when the lender or credit card holder changes important information, it is necessary to update the bank information in time. Take credit cards as an example. If the cardholder's billing address and mobile phone number change, go to the bank to modify the address and mobile phone number, you can receive the credit card confirmation letter and statement on time, and you can also receive the bank reminder message in time to ensure the security of the account.

If the credit card holder does not have enough funds to repay all the bills and does not want to affect his credit history, he can contact the bank in time and choose to return the minimum repayment amount or handle the installment repayment.

Some people think that as long as credit cards are eliminated, personal bad records can be eliminated. In fact, the credit record is accompanied by the personal identity information of the cardholder, and simply canceling the card cannot eliminate the bad record.

At this time, it is necessary to continue to maintain the long-term benign use of the card in order to prepare for the return of personal credit records to "innocence" through good credit transactions in the future. Of course, the Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information is five years, and it will be deleted after five years, but this is on the premise of paying off the loan. Don't think that you can be eliminated without paying back the money.

Baidu Encyclopedia-JD.COM Baitiao

Baidu encyclopedia-credit information