Can a negative white bar amount still be used, and what happens to a negative white bar limit

If the white bar limit is negative, it means that the amount to be repaid by the user has exceeded the total credit limit.

There is no available quota on the loan page, and users are no longer allowed to use the white bar. At this time, the user can choose to repay the loan early.

When part of the outstanding balance is paid early, a portion of the available credit will be restored. Of course, the white bar amount is negative, which is normal. When the user uses up the quota of the white bar, and then incurs other fees, or the system lowers the quota of the white bar, the white bar quota will be negative.

Extended information: JD Baitiao.

The limit range is 1000-15000 yuan, and the general limit is 6000 yuan.

After applying for a white strip, the average user can have a quota of 3,000 to 7,000, and the quota of the white strip will definitely be different for different groups of people. For example, the Jingdong campus white strip limit, this is a loan amount specifically for students, generally between 3000 and 5000, because most students have limited repayment ability, so the amount will be limited, of course, these amounts are not constant, according to the consumption of college students and personal credit rating.

If the individual has good credit and good shopping habits, then the personal white bar limit will continue to rise, and at present, there are also cases where the white bar limit on campus is more than 10,000.

Users can click on the homepage of JD.com"JD Baitiao"Special area,After filling in the name、ID number、Bank card information and other application materials,JD.com will first conduct a risk rating on the user's consumption records、Delivery information、Return information、Shopping evaluation and other data on JD.com,Each user will get the corresponding credit limit,Up to 10,000 yuan。

In order to obtain a higher JD white bar quota, it is recommended that you complete as many tasks as possible when activating the task.

After the JD white strip is successfully activated, the system will provide the amount of the white strip according to the comprehensive assessment of the information you fill in, and the system will also raise the amount for you from time to time according to your consumption behavior, consumption habits, repayment ability, repayment status, etc.

After activation, in addition to the system withdrawal, JD Baitiao can also raise the amount by receiving the quota withdrawal package and participating in the Baitiao Quota Raising Activity to raise the amount in JD Finance.

If the white bar quota becomes negative, the quota will rise.

As long as the status of the white bar is normal and the user repays the loan on time, the system will automatically raise the amount of the white bar when the user meets the conditions for raising the amount of the white bar.

If the user's white bar is not automatically raised, then he can also take the initiative to receive the white bar withdrawal package, so that the amount of the white bar will also increase.

Even if the user obtains the temporary quota of the white bar, the temporary quota can quickly increase the white bar quota in a short period of time.

If the bar quota is negative, the user will not be able to use the bar, so the page must have the available bar for the user to use the bar.

If the user returns part of the arrears of the white bar, the repayment amount will be restored to the available limit, and with the available limit, the user can continue to use the white bar.

As long as the user continues to maintain a good credit history and repayment record, the amount of white bar will increase in the future.

Many people become blacklisted outlets after overdue, but they don't know that in addition to overdue, long loans will also be included in the online loan blacklist if they are not good, specifically you can go on: Xiaoqi letter check, detect your own long loans, long loans are mainly personal recent applications in lending institutions, it is recommended that you can slow yourself down first, stop all loan-related operations within three months, and the natural risk index will be reduced after three months, and the blacklist will be eliminated.

Extended Information: Why is the White Bar Limit Negative?

If there is a negative number of white bars, it may be due to the following conditions.

1. The system has lowered the amount of white bars after irregular evaluation.

For example, the original white bar limit is 10,000 yuan, and the current consumption is 6,000 yuan, but the system lowers the white bar limit to 5,000 yuan before the current repayment date, and then the white bar limit will be negative, which is negative 1,000 yuan.

2. The previous temporary quota of white bars has expired.

For example, the fixed quota of the original white bar is 5,000 yuan, the temporary quota is 1,000 yuan, and the available quota is 6,000 yuan, and all the 6,000 yuan is consumed.

3. The service fee for the installment of the white strip occupies the amount of the white strip.

For example, if you buy a 5,000 yuan product and choose to divide it into 3 installments, the service fee for the 3 periods is 105 yuan, and when the white strip deducts the principal of 5,000 yuan and the installment fee of 105 yuan at one time, the white bar limit will become negative.

It doesn't matter if the white bar limit is negative, as long as the current bill is repaid normally on the repayment date, the quota will be restored to a positive number in real time, and it will not affect the subsequent normal use.

If the available quota is negative, it is due to the previous application for the temporary quota, and then the temporary quota and the original credit limit have been used up in recent consumption, and the temporary quota will expire later, because the consumption limit exceeds the total credit limit, and the customer has not repaid the loan, the quota will naturally be displayed as a negative number.

Of course, it is also possible that the customer's bill incurs interest fees or installment fees that occupy the available limit; Or after all the credit lines are consumed, the total quota is lowered by the system.

Expander] White Bar Available Limit = Total Credit Limit White Bar Amount to be Repaid. Therefore, if the customer has received the temporary quota and used up the original credit line of Baitiao, the amount to be repaid will naturally exceed the total credit limit.

However, as long as the customer pays off on time in the future, the credit line will naturally return to the original credit level (the temporary quota is a one-time quota, and it will not be restored after repayment, if the customer still wants to use the temporary quota, he can re-apply), and it will no longer be negative. In addition, it is also possible that the interest fee or installment fee of the white slip bill occupies the available limit; Or the total credit limit of the white strip is lowered by the system.

You can rest assured that a negative amount of available credit will not have a negative impact on personal credit (if the repayment is overdue, it may have a negative impact because overdue will lead to credit damage; And if the situation is serious, the system may also freeze the quota). Customers should pay attention to maintaining good personal credit and develop a good habit of repaying on time.

JD Baitiao is the industry's first Internet credit payment product launched by JD.com, which is a credit payment service for users with high credit ratings and consumer needs through credit evaluation through big data. It provides a consumer experience of "consumption first, payment later, real-time approval, and installment at will", which has established JD Finance's position as a leading brand in the consumer finance industry.

Jingdong Baitiao is a credit payment service that uses big data for credit evaluation and provides credit payment services for users with high credit ratings and consumer needs. Users can enjoy BNPL and installment shopping services on JD.** for up to 24 installments, and the bill can also be repaid in installments and with a minimum repayment rate, and the execution interest rate is lower than that of bank credit cards.

JD.com's self-operated same-day delivery is very convenient, and many users like to use white strips to shop, but some users find that their available quota for white strips has become negative, and they want to know what's going on. In fact, the white bar quota is not fixed, and it will also be increased or decreased with the user's use, if you find that the available quota becomes negative, it may be caused by the following three reasons:

1. I have used the temporary quota and have not paid it off.

Some users have used up all the white bar quota, including the temporary quota, then after repayment, the temporary quota must be paid off, and the available quota will be displayed only after the fixed quota is repaid, if the temporary quota is not paid off, then even if the repayment is made, the available quota will become negative.

2. The bill incurs interest or installment fees.

The interest fee of JD Baitiao installment fee will also be deducted from the available limit, if your available quota is exhausted, then the interest fee or installment fee will be reflected in the form of a negative number, and the available amount will become positive if you need to repay the arrears + interest fee.

3. The total credit limit is reduced.

This situation is the saddest, because your JD white strip has been derated by the system, probably because of cashing out or something, or not repaying or something like that. For example, if your white bar limit is originally 5,000 yuan, but for some reason the total limit is reduced to 3,000 yuan, then it will show -2,000 yuan.

The above is the relevant introduction of "What does the negative available quota of JD Baitiao mean", I hope it will be helpful to you. If you find that your available quota becomes negative, you can compare the above three scenarios. If it becomes negative, don't be too anxious, and the white bar quota can be slowly restored.

Here's why:1. The temporary quota has not been paid off: the user has used up the quota including the temporary quota, and the temporary quota must be paid off in full after repayment, otherwise the available quota may become negative.

Once the temporary quota is paid off, the available quota will be restored.

2. Interest or handling fee is generated in the bill: The interest fee and installment handling fee of JD Baitiao are deducted from the available limit, if the available amount is exhausted, then the interest fee or installment handling fee will become negative after deduction.

Introduction:

"JD Baitiao" is the industry's first Internet credit payment product, allowing users to enjoy the consumption experience of "consumption first, payment later, real-time approval, and installment at will", which quickly became a model in the industry and established JD Finance's position as a leading brand in the consumer finance industry.

It doesn't matter, the negative number is that the white bar has a temporary quota, and after using it, the temporary quota will expire and will produce a negative number, which will not affect the personal repayment.

If the available limit of the white strip is negative, it means that your current total outstanding amount exceeds your total credit limit, and the maximum amount of JD white strip can be applied for 15,000 yuan.

1. The available quota of white strips = total quota - the amount of white strips to be repaid (excluding the amount to be repaid by Didi). If the available credit limit of the white bar is negative, it means that your current total outstanding amount exceeds your total credit limit, which may be due to the following three reasons:

1. You have used the temporary quota before, the current temporary quota has become invalid, and the corresponding bill has not been repaid.

2. Your bill incurs interest or installment fees, which occupy your available limit.

3. Your total credit limit is reduced. A negative amount of available credit will not have any effect on your credit, so don't worry, as long as you make normal repayments, the overdraft amount will be repaid first, and when you pay off all the overdraft limits, the available limit will be restored accordingly.

2. The maximum amount of JD white strips.

Jingdong Baitiao can apply for up to 15,000 yuan.

Reasons: 1. According to the calculation of JD.com's user scale and net turnover, Baitiao only accounts for 15%-25% of JD Zijin.

2. The white strip is equivalent to a credit card, the interest rate is lower than that of a credit card, and the repayment period is longer than that of a credit card, generally in 30 days.

3. Jingdong is only open to 500,000 people, even if it loses, it will not affect Jingdong too much, and many customers will rush to choose white strips.

4. Jingdong Baitiao only accounts for 15%-25% of Jingdong's accounts receivable, so the amount of people who apply for Baitiao is generally high.

It doesn't matter, just repay the loan according to the regulations.

It doesn't matter if you repay on time, the gold bars can give you a cash set to use! Do you need a set?

There are several reasons why the white bar amount is negative:

1. Overdue repayment: If you do not repay on time within the repayment period of the white strip, there will be overdue fees, and your amount will be frozen, and may even become negative.

2. Decline in the rating of Xinyuansen: If your credit rating drops, such as your credit score is lowered or your credit history is bad, then the bank may reduce your credit limit or even cancel your white bar limit.

3. Other loans are overdue: If you have a record of overdue loans in other financial institutions, this will also have an impact on your white bar limit, causing the limit to become negative.

If your white bar limit is negative, it is recommended that you pay off the overdue amount as soon as possible and improve your credit profile by paying on time, avoiding overdue, etc., to restore your limit. At the same time, you can also contact the bank's customer service to inquire about the specific reason and seek a solution.

If you are unsure of your personal credit status, you can search for "Zhiyi Big Data" and click Query, and enter the information to obtain Baihang credit data. However, it should be noted that with the establishment of Baihang Credit, the overdue situation of personal online loans will inevitably affect credit history, so it is important to think twice before borrowing.

1. The temporary quota has been used up and has not been paid off: the fixed quota and the temporary quota of the user's white bar have been used up, and the temporary quota must be paid off first when repaying.

2. The bill generates interest or installment repayment fee: The interest fee and installment handling fee of JD Baitiao are deducted from the available limit, if the available quota is used up, then when the interest fee or installment handling fee is deducted, the amount of Baitiao will become negative.