Every loan of 1.JD.COM Gold Bar will be truthfully reported to the central bank's credit information system. If the user fails to repay the loan on time after using JD.COM gold bars, the credit will be collected, which will not only affect the future gold bar loan, but also affect the future credit card application and loan application.
2. When opening JD.COM Gold Bar, many users are prompted for authorization, that is, they agree to Shanghai Bank to inquire about your personal credit and authorize to upload your personal credit record. This means that JD.COM entrusts Shanghai Bank to check your credit. If the money is lent to you by Shanghai Bank through gold bars, the meeting will be held after the deadline. However, the source of JD.COM gold bar lending funds is not only banks, but also other institutions and channels, so it is certain that all users will make a collection at the meeting after the deadline.
Generally speaking, the amount is not large, and the credit will not be reported after three days, because the bank has a grace period. With so many people borrowing money every day, some confused users will forget to repay. If they pay back immediately after seeing the SMS reminder, it is not malicious overdue, and private small loans are more relaxed in this respect. For example, JD.COM gold bars will send SMS reminders before the due repayment date, and will also remind them on the repayment date. If they repay in time, they will send messages or even call to remind them of the repayment every day after the deadline.
4. The phone on the left can't get through, no one answers, and the text message is still unpaid, and the amount is still relatively large. This situation can be considered as malicious overdue. JD.COM will generally notify by calling an emergency contact person and report the loan to the central bank for credit investigation after a certain period of time.
5. Generally speaking, the credit report of JD.COM Gold Bar will not be affected. If it is overdue, it may have serious consequences. In the final analysis, this kind of Internet loan product is better to repay in time, because there are not many places like JD.COM Gold Bar that are reliable, fast in repayment and relatively low in interest except banks. Care for your personal credit. Even if you don't go to the central bank for credit information, don't be blacklisted by JD.COM.