Why is the Gold Bar Loan Alert temporarily unavailable?

1. Jingdong gold bars.

There are common reasons why the quota is temporarily unable to provide you with borrowing services.

1. If the gold bar does not pass the comprehensive evaluation of the system, it will be reviewed for every operation, that is, the borrower's information will be re-evaluated today. If the assessment is not passed, it means that JD Gold Bars is currently unable to provide you with services.

And try again. In this way, the system will review the borrower's information again, and there is a certain chance of passing the review.

2. Bad consumption habits. If there has been a previous overdue, frequent prepayment, or long period of non-use of the gold bar, the bar will be suspended from your service.

Solution: If it is due to late or early repayment.

You can buy more JD.com-related financial products to improve Xiaobai's credit score, and the success rate of gold bar reopening will also increase; For customers who have not used the quota for a long time, the best way is to use more white bars or white bar related co-branded credit cards, so that it is possible to successfully open JD gold bars again.

3.Due to the JD system itself, the JD system cannot provide users with normal services during upgrades, maintenance or failures.

Solution: If you confirm that you have good personal credit and have not made overdue repayments recently, you can apply again after the system returns to normal.

Second, the private aspect.

1. There is an overdue record: If there is an overdue repayment behavior on JD gold bars or other loan platforms, it will affect personal credit reporting.

Then even if JD gold bars have a limit, they can't borrow.

2. Early repayment: Early repayment means that the borrower does not need the loan much, and the early repayment is a breach of contract.

3. Xiaobai's credit score has decreased: I haven't done much shopping and investment on JD.com, and the level of short-term assets has declined, and financial products have declined.

Large redemptions and poor credit performance have led to a decrease in Xiaobai's credit score.

4. Bad online shopping records: in JD.com**.

Having a bad online shopping record, frequent returns and exchanges, malicious bad reviews, etc., will cause the amount to be unable to borrow.

5. The system is being optimized and upgraded: JD Finance.

When the system is in the state of upgrade, maintenance, or failure, it will also cause JD Gold Bars to temporarily fail to provide services, and you can wait for a period of time before trying to apply again.

We all know that although JD gold bars can borrow if they have a limit, and there is no limit to the number of loans, but each time you borrow, you still need to re-evaluate the user's current account qualifications, and if there is a limit and you can't borrow, there may be three reasons:

1. Personal credit value has decreased.

That is, the comprehensive score is insufficient, and there are many influencing factors, but the most common is caused by overdue, such as using Jingdong white bars and Jingdong gold bars without timely repayment, which will lower the personal credit value, even if Jingdong does not take back the amount, but it will not lend you again, it can only be used as a decoration.

This requires paying off the money owed first, and then finding ways to win back JD's trust, such as stockpiling money to JD Xiaojin, buying wealth management products, and so on.

2. The account activity is not high.

In order to be able to open JD gold bars, many people often shop in JD.com**, manage money, save money, etc., and once they open JD gold bars, they are not so active, transfer the money saved back to the card, and the financial products they buy are also realized, and they don't use JD gold bars for more than half a year, and when they want to borrow money, they may not be able to borrow money.

3. System upgrade or failure.

JD Finance will also upgrade the system from time to time, or the system fails and needs to be maintained, and it will definitely not lend in this case. However, if it is not due to the borrower's own reasons, you only need to wait for the system to stabilize before applying for a loan, and it is only temporary if you cannot borrow if you have a limit.

If you don't know the situation of your own network black big data, you only need to search: Kingfisher data, click on query, and enter information to query your own Baixing credit data. However, with the establishment of Baihang Credit, almost all overdue online loans will affect personal credit in the future, so everyone must pay attention to what they can when borrowing money.

There is a limit for gold bars, but when borrowing, it prompts that gold bars cannot be provided temporarily, and there are two types of services:

1. Credit information: gold bars will be checked for credit when opening and withdrawing, because it is lent by xx bank, so there will be a query record of the lending bank on the credit record. However, after the loan is successful, it will not be credited.

2. Because the credit will be checked when the gold bar is withdrawn, friends with bad credit may be rejected, even if there is a quota, it cannot be withdrawn, and it will prompt "temporarily unable to provide you with gold bar services".

Development History:

Credit information records the past credit behavior of an individual, which will affect the individual's future economic activities, and these behaviors are reflected in the personal credit report, which is often referred to as "credit history".

Until 2012, there was not a single law or regulation in China's current legal system that provided a direct basis for credit reporting activities. In October 2009, the Legislative Affairs Office published the full text of the Regulations on the Administration of Credit Reporting (Draft for Solicitation of Comments) to solicit opinions from all sectors of society on the Regulations on the Administration of Credit Reporting.

Hello, I am inquiring for you here, please wait a while, I will reply to you immediately Hello, I am happy to answer for you. This temporary time is not fixed, the short may be a month, the long may be a year or two, the gold bar has a quota but the borrowing prompts are temporarily unable to provide gold bar services There are two types: 1. Credit problems:

Gold bars will be checked at the time of opening and withdrawing, because it is the xx bank loan, so there will be a query record of the lending bank on the credit record. However, after the loan is successful, it will not be credited.

2. Because the credit will be checked when the gold bar is withdrawn, friends with bad credit may be rejected, even if there is a quota, it cannot be withdrawn, and it will prompt "temporarily unable to provide you with gold bar services".

I hope the above is helpful to you If you are satisfied with me, please give a thumbs up and ask questions. Why is it over, but there is no time being.

Can the service be restored.

Hold on. If JD Gold Bars had a quota before, and suddenly there is a temporary inability to provide services, then it may be due to poor consumption repayment habits, such as overdue, early repayment, and not being used for a long time, which may make JD think that you don't need the quota anymore. You can use a roundabout way to let JD know that you are a good customer who is "short of money", and use more white strip co-branded cards and white strips in recent times to repay in time, and it is possible to open JD gold bars again.

**JD Wallet and JD Finance, try to submit between 9-18 o'clock during working hours every day. You can click on "Why is JD Gold Bar showing that the service is temporarily unavailable?" The reasons are as follows" to view the specific causes and solutions.

This question is up to me, it takes a little time to type, so please be patient.

Hello dear, common reason one: not passing the comprehensive evaluation of the system gold bars will be re-examined every operation, that is to say, the borrower's information will be re-evaluated today, if the evaluation is not passed, it will show that it is currently unable to provide you with JD gold bar services. Workaround:

Re-try the app again, so that the system will re-review the borrower's information, and there is a certain chance of passing the review. Common reason 2: Bad consumption habitsIf you have overdue when using gold bars before, often repay in advance, or have a limit that has not been used for a long time, it will make the gold bars suspend your service.

Solution: If it is due to overdue or early repayment, then it is recommended to buy JD.com's related wealth management products to increase the credit score of Xiaobai, so as to increase the success rate of reopening gold bars; For customers who have not used the quota for a long time, you have to let the gold bar know that you are short of money at the moment, and the best thing to do is to use more white bars or white bar related co-branded credit cards, so that it is possible to successfully open JD gold bars again.

If JD gold bars suddenly can't borrow money, it is likely to be caused by the following reasons:

1.The customer's latest credit is not good, and there may be overdue behavior when repaying the credit products under his name, resulting in personal credit damage, so the system freezes the gold bar limit.

2.The current account can borrow less than 500 yuan, JD gold bar has a stipulation: the minimum amount of a single loan is 500 yuan, so if the customer's gold bar limit is less than 500 yuan, it is natural that the borrower can no longer operate.

3.Due to the existence of risk operations such as illegal cash-out, or frequent modification of account information (changing bank cards, changing certified mobile phone numbers), always changing equipment login, etc., resulting in an increase in account risk, the system then risked the gold bar account.

4.Recently, there have been frequent borrowing too much, resulting in long borrowing, and many loans have not been repaid, and the personal debt ratio is quite high, so the system is worried about the customer's insufficient repayment ability.

5.If the background system fails, during maintenance and upgrading, when the system upgrade and repair is completed, the borrowing channel will naturally be restored, and the customer can continue to borrow.

Extended information: JD Baitiao.

1. While bringing convenience to users, JD Baitiao also attaches great importance to the security of users being stolen by JD Baitiao. In the whole process of account login, activation, transaction, information modification, etc., JD Digital's Tiance decision engine system, Tiandun account security and anti-fraud system, and Tianwang transaction risk monitoring system conduct background security scanning and real-time calculation of each account behavior, identify malicious behaviors and high-risk orders, and connect with the first-class distribution system to achieve the last mile interception of high-risk orders.

2. Set up a green channel for feedback on fraudulent fraud problems in the service**, establish a special processing process, and JD Finance's customer service will give priority to verification and processing. For users who are determined to have been stolen, they will be exempted from repayment responsibilities, and special treatment will be given to relevant accounts, which will not affect the user's credit investigation.

3. JD Finance will not allow black industry elements to go unpunished and infringe on the interests of consumers. For the discovered large-scale and cumulative infringement of the safety of consumer funds, JD Finance has established a green communication channel with **, fed back information at the first time, and used scientific and technological means to actively cooperate with ** to solve the case.

Operating environment: vivox27, JD Finance version.

If the gold bar cannot provide services temporarily, it means that the user does not meet the application conditions for the gold bar, and the system refuses to provide the user with loan service.

At this time, the user needs to maintain good credit, and ensure the activity of the JD Financial account, and wait for the system to re-evaluate the user's account, when the user has met the conditions for the use of gold bars, the borrowing amount will appear on the gold bar page, and the borrowing function will be restored. In other words, users cannot actively apply for the resumption of the borrowing function of gold bars, and can only wait for the system to re-evaluate and give new results.

Extended information: 1. JD Finance is a "one-stop" investment and financing platform created by JD Finance Group, with the mission of "becoming the most reliable Internet investment and financing platform in China", relying on the strong resources of JD Group, and giving full play to the advantages of integration and synergy.

2. The business purpose of JD Digital Technology is to connect finance and the real industry through digital means, and help the financial and real industries to achieve Internet, digitalization and intelligence, so as to reduce costs, improve efficiency, improve user experience and model upgrading, and create fair and inclusive social value.

JD Digital Technology takes big data, artificial intelligence, Internet of Things, blockchain and other cutting-edge technologies as the core, and uses digital technology to connect finance and real industries, help the industry improve the level of Internet, digitalization and intelligence, and promote the development of the real economy.

It has completed the layout of JD Finance, JD City, JD Agriculture and Animal Husbandry, JD Shaodongjia, JD Molybdenum Media, etc., and has realized the integration of the three ends of the individual, the enterprise and the first end in the customer group.

3. JD Finance, after the brand upgrade, JD Finance includes personal finance, corporate finance, financial technology and other sections.

1. Personal Finance Section: Launched products and services such as white strips, JD Pay, JD Small Treasury, product crowdfunding, small white cards, gold bars, etc., covering consumer finance, payment, wealth management, crowdfunding, insurance, ** and other fields.

2. Corporate Finance Section: Launched products such as Jingbaobei, Beijing Small Loan, Jincai, and Quick Bank, providing services covering factoring financing, credit loans and other fields.

3. Fintech section: Launched products and services such as Big Dipper and FIQS, and provided various financial institutions with services covering asset trading, corporate and personal lending, scenario applications, user operations, financial management, robo-advisory technical services, risk control data, risk pricing systems and other fields.

JD gold bars are not borrowed with a quota, and each time you borrow gold bars, the system will conduct a comprehensive evaluation of the user's information. If you are unable to borrow, it means that the information has not passed the comprehensive evaluation of the system for the time being, which includes Xiaobai's credit score, consumption, repayment habits, etc.

Reason analysis: 1. Xiaobai's credit score is reduced: If the asset capacity, JD Finance's product use and performance are not good, and there is not much shopping and investment in JD, it will lead to a decrease in Xiaobai's credit score.

2. There is overdue: If you have overdue money borrowed before JD gold bars, or you want to borrow again if you don't repay the loan, this will not work, and you can't borrow even if you have a quota.

3. Early repayment: Multiple early repayments will make JD judge that the borrowing demand is not high, so the repayment habits cannot meet JD's loan requirements.

It is recommended to maintain good borrowing and consumption habits, and do not over-repay the ability to borrow, overdue or other illegal use, JD will regularly review the borrowing qualifications, and the right to use gold bars will be restored after the review is passed.