The user is overdue or has other dishonest behaviors

The system determines whether to use JD gold bars based on the user’s credit and usage conditions, and the system will repay the loan after approving the loan. Loan management will be carried out from time to time to check the user's current loan usage. If a user is found to be overdue or otherwise dishonest, the user's access rights will be closed to avoid lending risks. The JD platform itself has its own large database in order to understand the relevant situation of users in real time. If it is found that the user's current income has decreased or their liabilities have increased, the gold bar account will be closed to ensure the safety of funds. If you want to restore the functionality, users must work hard to improve their repayment ability, such as finding a part-time job to increase their monthly income.

There will be Jingdong Gold Bar customer service calling to ask for a loan. For example, if there is a discount on the interest rate, for some users who have exceeded their quota and have never borrowed money, Jingdong Gold Bar customer service will call to remind them that the interest rate is very favorable. Try borrowing money.