The temporary credit card limit is divided into several stages. After the temporary line expires, the user only needs to repay the loan according to the posting time, and it is not necessary to pay off all the used temporary lines on the expiration date. The temporary line can be recycled within the validity period, and repaid after the validity period. The temporary line is directly recovered by the bank. If you want to use the temporary line again, you need to apply again. If the user wants to recover the temporary credit line, it must be repaid within the validity period, without recovery, and can be repaid according to the recording time.
1. When the temporary credit card limit expires, it needs to be returned in full. After the temporary line expires, all temporary lines used will be included in the minimum repayment amount of the bill, and it is impossible to apply for installment and minimum repayment. Users need to pay off before the due repayment date (inclusive), otherwise it will be equivalent to failing to repay on time, which will lead to overdue and adverse effects.
The temporary line of 2.JD.COM IOUs expires, and it is not necessary to pay it off in one lump sum. For example, if the temporary amount of the IOU is 600 yuan and the IOU is divided into 12 installments, the IOU will actually expire in the third month, so users do not need to repay in full in the third month, and they can still repay in the previous installments. And if the temporary quota of IOUs expires, it will not affect the completed order, and the previous installment payment is still valid. For users, the expiration of the temporary white line will not increase the repayment pressure.
3. There is no need to pay the temporary quota of flower beds in one lump sum when it expires. The first point is that the temporary quota for flower beds does not need to be repaid immediately after it expires. It also follows the normal charging rules. After being included in the bill together with the fixed amount, it can be repaid before the repayment date of next month. For example, the temporary consumption limit for September will be issued on June 10, and then users can repay the money before June 9 or June 10 (inclusive). In addition, Huayuan's temporary quota can be applied for installment repayment, and bills containing temporary quota can be repaid by installment or minimum repayment. If you need to pay in installments, you only need to apply for bill installment before the due repayment date. The operating steps are as follows: First, click the "Repay Now" button in the "Flower Garden" interface of Alipay APP, and then click the "bill installment" option, and then follow the page prompts to select. Although Huayuan's temporary credit line will not be repaid once it expires, it will automatically become invalid after it expires, and the credit line before the application for temporary credit line will be restored, so users can no longer use the temporary credit line.
What's with the reduction of quotas?
The reasons for the decrease in IOUs are as follows:
1. overdue behavior: if the borrower has overdue repayment behavior when using the IOUs, the system will think that the borrower has not used the IOUs as required, thus reducing the IOUs and preventing repayment risks.
2. There is something wrong with the credit information: the IOU will review the applicant from time to time. If the applicant's personal credit information is found to be overdue, JD.COM's debit amount will be reduced to prevent risks.
3. Prepayment: If the applicant often prepays after using JD.COM White Strips, the system will think that the applicant does not have much demand, thus reducing the quota of users who need it.
1. When does the IOU usually give you a temporary line?
The time for IOUs to provide temporary credit line is uncertain, and it may be provided at any time after irregular evaluation of users' comprehensive credit status. If provided, the details page of the IOU will be displayed naturally, and the customer can collect it directly at that time. You can rest assured that IOUs often have activities to raise the amount, such as raising the amount package every week. On the eve of big promotion activities (such as Double Eleven, Double Twelve, Mid-year 6 18, Goddess Day, etc.). ), in order to stimulate users' consumption, temporary quotas will be provided to users substantially.
Is it necessary to pay off the temporary amount of IOUs in 2.JD.COM once it expires?
The temporary line of JD.COM IOUs expires, so it is not necessary to pay it off in one lump sum. For example, if the temporary amount of the IOU is 600 yuan and the IOU is divided into 12 installments, the IOU will actually expire in the third month, so users do not need to repay in full in the third month, and they can still repay in the previous installments.
And if the temporary quota of IOUs expires, it will not affect the completed order, and the previous installment payment is still valid. For users, the expiration of the temporary white line will not increase the repayment pressure.
Third, why is it taboo to repay the loan in advance in JD.COM?
The reason why prepayment in JD.COM is taboo is that many users have reduced the loan amount after prepayment in JD.COM, but it is not. Because JD.COM Baitiao gives the loan amount according to the comprehensive qualification of users, it may be that the borrower's comprehensive qualification is not very good, which leads to the reduction of the loan amount, which has little to do with prepayment. However, frequent prepayment is not a good loan habit, and it may be automatically reduced by the system.
The temporary limit of IOU has expired. Do I need to pay in one lump sum?
The temporary line of JD.COM IOUs expires, so it is not necessary to pay it off in one lump sum. For example, if the temporary amount of the IOU is 600 yuan and the IOU is divided into 12 installments, the IOU will actually expire in the third month, so users do not need to repay in full in the third month, and they can still repay in the previous installments.
And if the temporary quota of IOUs expires, it will not affect the completed order, and the previous installment payment is still valid. For users, the expiration of the temporary white line will not increase the repayment pressure.
Temporary credit line, as its name implies, refers to the credit line temporarily adjusted by the bank to credit card holders. Generally speaking, temporary credit lines have been raised.
Generally speaking, if your credit card has a good record and there is no overdue or other illegal use of the card, you can temporarily increase the credit limit, and the range of increasing the temporary credit limit is generally controlled at several times of the fixed limit. In addition, on Christmas, New Year's Day, Spring Festival, Double Eleven and other fixed holidays, the Bank Credit Card Center will actively adjust the temporary credit card limit. Generally speaking, the increased temporary credit limit is x times of the fixed credit limit for cardholders' holiday consumption. Your quota will be restored to the original fixed quota about one month after the holiday.
“JD。 COM White Strip is the first Internet credit payment product in the industry, which allows users to enjoy the consumption experience of "consumption first, payment later, real-time approval, and arbitrary installment", and has quickly become an industry model, laying the position of the leading brand of Jingdong Financial Consumer Finance Industry.
In terms of positioning, "JD. COM White Strip is a credit payment service for users with high credit rating and consumer demand through the credit evaluation of big data. Users can enjoy the service of using first and paying later and shopping in installments in JD.COM Mall. The longest installment can be 24, and bills can also be repaid in installments. The repayment rate is the lowest, and the execution rate is lower than that of bank credit cards. Jingdong Finance Consumer Finance has opened more than 1 100 million users.
Since then, the "White Strip" has also opened up O2O (JD.COM Arrives Home), global purchase, product crowdfunding and other businesses within the JD.COM system, and then gradually covered the fields of renting, tourism, decoration, education, wedding and so on, extending from credit house purchase service to providing credit consumption loans, covering more consumption scenarios and providing credit consumption services for more consumers.
The service scene of JD.COM Baitiao has been gradually extended, with nearly10 million online and offline merchants, covering life and entertainment, business travel, education and training, communication leasing and other industries. Cooperate with the bank to co-sign the electronic account "White Strip Flash Payment", expand the white strip payment to offline through NFC technology, and further broaden the use scenarios of white strip payment by binding WeChat payment.