Will the cash white slip be reviewed and check the credit report, and will the white strip have a cr

At present, JD Finance's gold bar, white bar, and Beijing agricultural loan business has started credit access.

First, the white strip is updated once a month.

According to reports,Jingdong Baitiao is accessing credit information,The specific consumption details of Baitiao will not be reflected in the credit report,Jingdong Baitiao will not reflect every consumption on the letter,But update the liabilities according to the bill every month。

Second, the main body of the report is "Chongqing Liangjiang New Area Shengji Small Loan ****".

According to the credit investigation authorization letter of the JD Baitiao service agreement, there are service terms as follows:

I (or the Authorizer) fully understand and agree that your company (or the Authorized Person) provides me with loan services, objectively and accurately evaluates my credit rating and credit line, and provides me with high-quality services, and I agree and authorize the use of my relevant necessary information and third-party data inquiries.

I authorize your company to query, print, and store my identification information, personal credit reports, and credit information including credit information (including but not limited to debt information, debt repayment and performance judgment information, and bad information generated when I handle business with lenders) through the Basic Financial Credit Information Database, and provide the above information to the Basic Financial Credit Information Database, the Internet Finance Association of China, and the Payment and Clearing Association of China.

The purpose is limited to: the authorized person accepts the personal loan business of JD Baitiao (including the pre-loan, in-loan and post-loan stages such as application review and withdrawal review); The authorized person applies for the handling of objections to credit reporting.

I authorize your company to collect and provide to the Basic Financial Credit Information Database, the Internet Finance Association of China, and the Payment and Clearing Association of China in accordance with the relevant provisions of the state to provide me with my personal information and credit information that complies with relevant regulations, including but not limited to credit information and information that has a negative impact on my credit status (including the bad information generated when I handle business with the authorized person).

The authorized person shall not bear any form of liability for any adverse impact on me or loss of property or credit caused by any qualified third party relying on or using the above information.

3. The type of business to be reported is: personal consumption loans.

Most financial products will check the credit information.

Yes. JD Finance is connected to the central bank's credit system, so users will naturally leave a record on the credit report when they use JD Baitiao. And everyone also needs to note that it is not only when there is a bad behavior such as overdue repayment that a record will be left on the credit report.

Usually use Jingdong Baitiao normally, and the corresponding borrowing and repayment will also be recorded in the credit report. Of course, you can rest assured that the regular borrowing and repayment records will not have any adverse effects on the credit report, and not every order will be reflected in the credit report. Because JD Baitiao reports credit according to monthly bills, customers don't have to worry about using JD Baitiao too many times will lead to too many credit reporting records, in fact, only one credit record will be displayed.

Moreover, as long as customers repay their loans on time and accumulate a good credit history, it can also help users get better financial services in the future.

Extended Information] Here are two tips to eliminate overdue records:

1. Communicate with the bank to solve the problem.

Many people's overdue records are basically caused by negligence, if the amount is small or the overdue is very short, you can take the initiative to communicate with the bank to eliminate your overdue records. Because the bank's overdue record is not uploaded to the credit information system in real time, as long as it is returned in time, this overdue record is still easy to solve. Generally speaking, the time for banks to upload overdue records is basically on the statement date of the following month.

So, in the vast majority of cases, overdue records can be eliminated.

As the president of the branch, Liu Hu's credit card was overdue, and he was unable to repay it in time due to his own negligence. It can be eliminated in this way, but he is still overdue, most likely because he has not found out that there are still overdue debts. Otherwise, a bank president will not be less than 2,251 yuan.

Therefore, you still have to pay more attention to your bills, otherwise, you will not know that they are overdue. If you catch the overdue early, you can also eliminate the overdue record, so why not?

2. Appeal to modify the overdue record.

There are some cases where the reason for the overdue is not personal, and can be resolved through the appeal channel. For example, if the bank is negligent, the cardholder uses automatic repayment, and the banking system is delayed, or the cardholder fails to receive the bill in time, etc., the bank will accept the application for the overdue record at this time and help us eliminate the overdue record. Of course, if it is due to personal reasons, the chances of success of the appeal are greatly reduced.

The white slip is recorded at the meeting. For example, if the user spent 300 yuan yesterday and 400 yuan today, then the debt situation is 700 yuan. 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 allows users to enjoy first-use-pay-later and installment shopping services in JD.com**, with installments up to 24 installments, and the implementation interest rate is lower than that of bank credit cards, opening up the O2O (JD Daojia) in the JD system, global shopping, product crowdfunding, and later gradually covering renting, tourism, decoration, education, weddings and other fields, providing credit consumption services for more consumers. In terms of positioning, "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 Finance has more than 100 million consumer finance users. "Baitiao" also opened up the O2O (Jingdong Daojia), global shopping, and product crowdfunding in the Jingdong system, and later gradually covered renting, tourism, decoration, education, wedding and other fields, extending from credit purchase services to providing credit consumer loans, covering more consumption scenarios and providing credit consumption services for more consumers.

JD Baitiao's service scenarios have been gradually extended, and it has cooperated with nearly 10 million online and offline merchants, covering life and entertainment, business travel, education and training, communication and leasing industries. Cooperate with banks to co-brand the electronic account "Baitiao QuickPass", expand Baitiao payment to offline through NFC technology, and further broaden the use scenarios of Baitiao payment by binding WeChat payment. In addition to providing users with the convenience of buy now, pay later and installments at will, Baitiao has launched the official creative product store - Time Grocery Store, which adheres to strict aesthetic standards and quality standards to create and select a variety of beautiful and interesting life gadgets for users, and jointly establish a healthy and high-quality life attitude with young people.

Baitiao is a payment tool launched by Jingdong Finance that can be repaid after consumption,Users who open Baitiao can use Baitiao to overdraft consumption when shopping in Jingdong**,This way of buying the first cavity provides people with more convenience,Some friends will accidentally miss the repayment date and overdue in the process of using Baitiao,Many friends are very concerned about whether Baitiao is connected to the central bank credit。

Jingdong Baitiao is a credit tool launched by Jingdong Finance that can be overdrawn in advance, and its essence is similar to the familiar credit card, it can be said that Jingdong Baitiao is a virtual credit card product. Since JD Finance is connected to the central bank's credit system, JD Baitiao will also be on the credit report.

The white strip is not only overdue will be on the credit report,Users use JD white strips normally,The usage record will also be uploaded to the central bank credit system,But users don't have to worry too much about the credit on the white strip,Because JD white strips will not upload every consumption record of the user to the credit information system,And Song Jing is reported to the credit information in the form of monthly bill summary。

Jingdong white strip on the credit. JD Finance will truthfully report the credit report according to the user's usage, and the user's personal credit report shall prevail. In order to avoid inconvenience to the user's use, it is recommended that the user repay the loan according to the repayment date.

Jingdong Baitiao has begun to report credit information in batches, and the People's Bank of China will update it in batches, and the specific reporting information is subject to the credit report display.

In order to objectively and accurately assess your credit rating and credit line and provide you with high-quality services, we will obtain your credit investigation authorization when you open a white strip. Maintaining a good spending situation and repaying on time will help you get better financial services in the future.

In addition, a certain percentage of liquidated damages will be incurred if JD Baitiao is not repaid when due, and it may also have a certain impact on your later use, in order to avoid inconvenience to your use, please repay according to the repayment date.

Jingdong Baitiao has been connected to the credit information system, and it is on the credit information. However, its specific consumption details will not be reflected in the credit report, but the debt situation will be updated according to the bill every month, for example, if you spent 200 yuan yesterday and 300 yuan today, then the debt situation is 500 yuan.

Extended Materials. Jingdong Baitiao is a kind of "consumption first, payment later" payment method launched by JD.com, using Baitiao to pay in JD.com**, you can enjoy a maximum of 30 days of deferred payment period or up to 24 installment payment methods, which is an Internet consumer financial product in the industry.

1. At present, Jingdong Baitiao shows on the credit report that it is Chongqing Liangjiang New Area Shengji Small Loan****, which is a personal consumption loan. For personal consumption loans, JD.com's official statement is that repaying on time after the white strip is accessed will also add points to the credit report, and it will be easier to buy a house and a car loan in the future. However, some friends said that if there are too many personal consumption loans, the bank will feel very short of money, so they will refuse the mortgage.

2. Although there are different statements, it is certain that all partners cannot be overdue when using Jingdong Baitiao. Otherwise, once it is overdue, it will definitely be reported to the credit information system, which will have a great impact on future loan applications. If it is serious, it will be rejected, and even if it is not serious, you can apply for a loan, but the loan amount is relatively low, but the interest rate is relatively high.

3. JD's credit system not only includes JD's e-commerce data, but also expands data collection outward, which is the first case in the industry. It not only relies on the shopping data of JD.com**, but also mines all the effective data in the JD ecosystem.

At the same time, JD also continues to serve JD's credit system in various professional data-related companies. "We invest in different companies with different strategic goals, and there are comprehensive data service companies to achieve the expansion of data dimensions and data samples.

There are companies that are good at data processing and integration and credit evaluation, which can assist us in jointly improving the JD credit ecological chain. In the future, we will continue to lay out, from data dimensions to technical capabilities, continue to add fresh blood to come in, and continue to devote ourselves to building JD Credit into an ecological structure with data integration and refining capabilities that can be turned into credit assets. The relevant person in charge of Jingdong Finance said.