1, the account is normal.
Before applying for JD.COM IOUs, users need to keep their JD.COM accounts in a normal and tradable state, and they need to bind the mobile phone number of their real name registration system with their bank savings card.
2. It belongs to the user.
JD.COM White Bar is only open to users in Chinese mainland, and users need to complete real-name authentication in JD.COM APP before applying.
3. The user's age is up to standard.
Users of JD.COM White Stripes are required to be between the ages of 18 and 55.
4. The credit score is up to standard.
After comprehensive and multi-faceted evaluation of users' credit level, JD.COM system got Xiaobai's violation score. According to Xiaobai's non-compliance score, the asset level and credit level can be measured to some extent. If Xiaobai's violation score is higher than 600, he will be eligible to use the JD.COM White Strip.
5. High activity.
The use of JD.COM IOUs requires the user's JD.COM account to reach a certain level of activity, that is, they often spend money, rent credit goods, collect money and other activities in JD.COM Mall, or use other loan products such as JD.COM gold bars.
6. The information is true and effective.
When applying for JD.COM IOUs, it is required that all materials submitted in the application process are true and within the validity period.
For example, the ID card needs to be used within the validity period, and the mobile phone number and bank savings card use my real name.
7. The credit investigation has not expired.
The user's credit report shall not be overdue for 3 consecutive times or 6 times in total within 2 years. Once this serious overdue situation occurs, you can't apply for an IOU from JD.COM.
8. Less debt.
When applying for JD.COM IOUs, the personal asset-liability ratio reflected in the user's credit report is required to remain below 50%. If it exceeds this limit, it shows that the high debt level will affect the determination of repayment ability, and then affect the approval.
9. The number of inquiries is up to standard.
In the column of query times of user's credit report, it is required that the total number of loan approval and credit card approval in the past 1 month should not exceed 5 times; The total number of loan approvals and credit card approvals in the last three months should not exceed 65,438+00. If it does not meet the requirements, it will be considered that the user is short of funds, which will affect the approval of JD.COM IOUs.
10, the income level is stable.
To apply for JD.COM IOUs, users need to have a stable source of income or a certain level of assets, so as to ensure that the principal and interest can be repaid on schedule after the loan is issued, and avoid overdue due to inability to repay.
Borrowers apply for loans too frequently or operate loans too frequently, which will increase personal credit risk. Just check the personal credit risk index in "Beijian Quick Check". The higher the risk score, the easier it is for the application to be rejected.
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How long will the overdue IOUs be prosecuted and will they come to the door?
If the debt is overdue for more than three months, then Jingdong Finance generally has the right to sue.
However, in real life, because litigation takes a lot of time and energy, JD Finance will not easily sue.
Unless it is really overdue for a long time, the amount of arrears is relatively large, and there is no response or even contact for repeated reminders, then Jingdong Finance may sue and repay as soon as possible through legal channels.
It should be noted that Jingdong Finance actually makes dunning mainly by sending messages and calling, and generally does not make dunning at home.
If you can't contact, you can contact the emergency contact person according to the information provided when you register to open an account.
It is suggested to find a way to pay off as soon as possible after being urged by Jingdong Finance.
If it is not finished for a while, you can take the initiative to contact Jingdong Financial Customer Service to negotiate and try to apply for an extension of the repayment period and repay the arrears in installments.