1.JD is the reason. The most important thing is that the credit score of COM is not enough, because no matter which bank or lending institution, the other party can see your JD.COM score first. If the score is very low, JD.COM will generally refuse you to borrow money directly. Because the JD.COM score is related to many factors, including your consumption habits, activity, integrity, asset level and so on. If the white bars and gold bars are overdue, the score will be lower, and the lender can judge your repayment integrity.
2. The circulating credit is not enough. Because JD.COM is a collective lending platform, the matching lending institutions are different each time. It may be banks, consumer financial institutions and formal private lending companies. If the borrower has borrowed money in these places and has overdue or bad behavior, it is difficult to borrow money again and will generally be rejected.
3. Personal credit information is bad. Because all third-party lending institutions in JD.COM will check the credit information, if your online loan is illegal, even if there is a quota, you can't lend it.
4. Repeated applications are too frequent. Some users said that there was a quota, and they all refused after submitting it dozens of times. I believe that after the failure, they still failed to apply for it many times. Don't submit it again. First, find out the reason, improve your credit score, improve your personal data, and apply for JD.COM Gold Bar again.
: JD.COM Gold Bar was officially launched on March 20 16. This product mainly provides cash loan service for JD.COM IOUs users with good credit, which is a supplement to the IOUs business in JD.COM. The maximum credit line of JD.COM Gold Bar is RMB 200,000.00 Yuan, and the maximum credit line can be divided into 12 months, with daily interest, with the daily interest rate not exceeding 0.05%. JD.COM Gold Bar will receive the loan application within 30 minutes. However, under special circumstances, the specific arrival time shall be subject to the arrival time of the receiving bank. If JD.COM Gold Bar fails to fully repay the current loan principal and interest on or before the repayment date, it will be deemed overdue, and the days of default will be counted from the overdue date. If it is overdue for more than two times, the overdue liquidated damages shall be calculated cumulatively.