Will the amount of white slips opened in the small treasury be increased? Try both

There are a variety of ways to open Jingdong white strips, and many people open white strips through small vaults, but the quota is not enough, and I want to know if the quota of white strips opened in small vaults will increase? Today, I will give you a brief introduction, the relevant matters of Jingdong Baitiao's increase, friends with similar questions can take a look.

Will the amount of white slips opened in the small treasury be increased?

As you should know, the quota of ordinary white bars is comprehensively evaluated by the system and adjusted from time to time. The white bar quota opened by the small vault is different from the ordinary white bar quota, which mainly depends on the amount deposited in the small vault, because the white bar quota is granted at a ratio of 1:1 of the deposited amount, and the amount cannot be adjusted by the system's evaluation.

If the amount of white bars opened by the small vault is not enough, the only way to withdraw the amount is to increase the amount by adding the money in the small vault, and you can withdraw as much as you want, but the money deposited in the small vault will be temporarily frozen and cannot be withdrawn, otherwise the amount of white bars will also be reduced.

However, there is a chance to upgrade the white bar opened by the small vault to an ordinary white bar, and there is a chance to raise the amount without saving money if the upgrade is successful. This needs to meet several conditions, one is that there is a button on the white bar page to "upgrade to ordinary white bar", and the other is to first turn the white bar limit to 0, that is, to withdraw all the money deposited in the small treasury, and finally pass the comprehensive evaluation of the system.

In short, the amount of white bars in the small treasury will be increased, and the amount can only be raised by the money in the small gold inventory before the ordinary white bar is upgraded, and after upgrading to the ordinary white bar, the amount of white bars will be increased by the results of the system evaluation, and after repayment, you can also receive a withdrawal package to raise the amount, and at some times you can also receive a temporary amount.

Depositing a small treasury is a way to borrow, usually by depositing money at the merchant, and the interest rate is relatively low. To increase the quota of open white bars, you can try the following two methods:

1. Improve credit rating: Credit rating is an important basis for merchants to decide whether to give a white note. To improve your credit rating, you can establish a good credit image by repaying the loan on time and maintaining a good credit history.

In addition, don't take the issue of overdue online loans lightly, because in addition to collection, personal credit will also be affected. Especially for online loans on credit investigation, once there is an overdue record, it will have a serious impact on the future handling of bank loans or credit cards and other businesses. Even if the online loan cannot be credited, the data can still be recorded.

You can view your online loan history, overdue details, debts, dishonesty information and online loan blacklist in "Kingfisher Data".

2. Improve income stability: Merchants will also consider income stability for applicants who open white slips. If you can prove that you have a stable income**, such as a regular job or an investment with ongoing income, the merchant may be more inclined to give you a higher opening limit.

Therefore, working hard to improve your income stability can increase your chances of opening a white slip quota.

The above are two ways to increase the amount of open slips, I hope it will be helpful to you.

If the system prompts the customer to take the method of storing money to JD Xiaojin when opening the white bar, it is likely that the customer's credit is average, so the comprehensive score of the system is not high, and the ordinary white bar cannot be opened for the time being, so that the money can only be deposited into the JD small treasury and locked the funds, so as to open the white bar and obtain the amount corresponding to the locked funds for consumption. If the customer unlocks and transfers the funds locked in the small vault later, the white bar limit will be reduced accordingly. Unless the customer accumulates good credit and successfully upgrades to ordinary white slips, the system will provide a credit line.

At that time, customers will be able to unlock and transfer out the locked funds in the small treasury, and the amount of white bars will not be reduced.

"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.

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 the use now, pay later and installment shopping services on JD.com**, up to 24 installments, and the bill can also be repaid in installments and the minimum repayment, and the execution interest rate is lower than that of bank credit cards. JD Finance has more than 100 million consumer finance users.

Since then, "Baitiao" has 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, cooperating 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 March 2019, according to the statistics of the judgment document network, more than 200 people have been convicted and sentenced for using "Jingdong Baitiao" fraud. According to the judgement, the average age of the 107 defendants was 28. In the Jingdong Baitiao fraud case pronounced by two courts in Changsha City, nearly half of the defendants were college students.

The maximum sentence imposed on the accused is 19 years, with an average sentence of one year. In addition, the number of university students deceived mentioned in the judgment exceeded 362, making them a more conspicuous group among the victims.