Does the cancellation of the white slip have any impact on the credit investigation?

Jingdong white strips. Cancellation will not affect the credit report. If you cancel it, because of this financial insurance clause, you need to repay, if there are unpaid items, it will still affect the credit investigation, although you have been cancelled, but it will still be affected.

If you default on the repayment of JD Baitiao, the impact will be slightly smaller, and it will leave an overdue record, and there will be resistance when applying for a loan. JD has applied for a personal credit reporting license, so if JD Baitiao is overdue for repayment, it will also affect personal credit history, but it will be eliminated after a certain period of time. However, if the borrower refuses to repay the loan, it is unlikely that he will be able to apply for a loan smoothly in the future.

Version Model iPhone 12 Vivo S6 JD.

Extended information: 1. Can the white bar be reopened after it is cancelled?

After the white bar is cancelled, it cannot be opened again. Same ID card.

Only one Baitiao account can be activated, and if the JD Baitiao account is permanently cancelled through JD ** customer service, then it is impossible to open JD Baitiao again. Under normal circumstances, if the JD Baitiao account is temporarily closed or the user closes the Baitiao through the JD Baitiao page, in this case, JD Baitiao can be re-opened and directly log in to JD Finance.

2. Is it necessary to open Jingdong Baitiao?

Whether it is necessary to open JD Baitiao is related to the personal needs of users. If the user does not have enough funds to purchase goods on JD's relevant platforms and needs to pay in installments, he can open JD Baitiao. Users can enjoy an interest-free period of up to 30 days or installments of up to 24 installments, and some products will not be charged any handling fees during the installment period.

If the user activates JD Baitiao and does not use it, then no fee will be charged. Therefore, users need to choose whether to activate it according to their own needs.

3. Pros and cons of opening JD Baitiao.

Pros: Customers can enjoy the shopping experience of "consume first, pay later"; As long as you use it well, pay attention to repayment on time, and accumulate good consumption and repayment records, it will also help improve personal credit and handle credit business in the future.

Also helps. Disadvantages: It may lead to blind consumption by customers, causing financial burden, and increasing debt. If you consume too much, the customer will not be able to overdue, and personal credit will also be damaged, and the subsequent credit business will also be hindered.

4. Is there a quota for saving money in Jingdong Baitiao?

There are many ways to open JD Baitiao, and you don't have to save money to have a quota. For example, if it is an ordinary white bar, the amount is comprehensively evaluated and credited by the system, and there is no need to save money to have a limit, if you get a white bar flash charge.

qualifications, but also to the small treasury.

Deposit money to lock in funds and increase the white bar limit. For example, if you deposit a white bar opened by a small vault, the amount of funds locked in the small vault will be given at a ratio of 1:1, and the amount will not be dynamically adjusted by the system.

Version Model iPhone 12 Vivo S6 JD.

After the cancellation of the white slip, it will have a certain impact on personal credit reporting. The credit record is formed based on personal credit and repayment, while the white strip is a consumer loan tool with a repayment period, so there will be a corresponding record in the credit report. Under normal circumstances, the overdue repayment of the white slip will be recorded as overdue, which will have a negative impact on personal credit reporting.

If you are worried about your credit situation, you can get a big data report through "Zhiyi Big Data" to understand your overdue records and classify your online loans. Put formal credit loans in the position of priority repayment, and reduce the negative impact on personal credit reporting. If the funds are insufficient, it is recommended to negotiate with the online lending platform to negotiate the priority repayment of the loan on the regular credit investigation to reduce the impact on the credit investigation.

Having a good credit record has an important impact on an individual's credit rating and future credit application, so when using white slips or other online loan products, it is important to ensure that you repay your loans on time and maintain your personal credit.

If your white slip has been opened and used, then this will leave a loan approval record in your personal credit report, and the relevant records will also be retained in your credit report for a period of time after cancellation.

No, the white bar will only affect the personal credit investigation if it is overdue, and the opening, closing, normal use and repayment will not affect the personal credit. In fact, the use record of the white bar will be uploaded to the credit report, but the record will not be closed, so there is no record in the credit report when the white bar is closed, and no bad record will naturally not affect the credit report.

In addition, users can activate the white bar again after the white bar is closed, but the re-activation does not guarantee that it will be successful, and the result of the activation is subject to the display on the page.

Extended information] To cancel JD Baitiao, you can contact JD Finance customer service to assist in canceling Baitiao, call JD Finance customer service**95118, press 1 button, complete the personal identity verification information, and cancel the operation. Currently, customer service cancellation is not supported.

Before canceling JD Baitiao, you must pay off all the arrears that have been issued and not accounted for before you can operate. After ensuring that the arrears are all paid off, you can contact JD customer service, and after the personal information is verified, the customer service will assist in the operation of the cancellation, and the cancellation will be successful after a few working days.

Once the JD white strip is cancelled, it cannot be opened again, and the cancellation status will be displayed after the cancellation, and you can still see the white bar quota, but the white bar function is no longer available.

Notes:1The unbinding of JD white strips is not the same as cancellation, and there is no guarantee that JD will open white strips again after cancellation, but you can open them again at any time after unbinding.

2.If the white bar is not used frequently, you can choose to lock the white bar account, and then you only need to submit simple information to resume the use. This only locks the payment function of the white bar, and the white bar account is still open, so it will still be reflected in the letter.

You must pay off all the arrears before canceling JD Baitiao, once JD Baitiao is cancelled, it cannot be opened again, and the cancellation status will be displayed after cancellation, but you can still see the amount of Baitiao.

1. Cancellation through the official website:

Operating environment: brand model: iphone13

1.Open the official website of JD.com, and after logging in with your account, you will see one at the top of the page"Customer service"Options;

3.In the pop-up dialog window, a manual customer service will be automatically called up, communicate with the customer service, and explain the application that needs to be canceled to the customer service.

Jingdong Baitiao has been cancelled after repayment, and then the Baitiao is reopened, then the loan records and repayment records of Baitiao will still be on the credit report. Jingdong Baitiao is a loan product on the credit report, as long as the white strip is used, then there will be a loan record on the credit. If the user cancels the white bar, the records that have been reported on the credit report will not be deleted, and this part of the record is part of the personal credit report.

There is a white loan record in the credit report, so that the user will not become a white credit account, and then apply for a loan, the financial institution can also evaluate the user's repayment ability and willingness to repay through the white loan record. The record of repayment on time is a good credit history, which can help users improve their overall credit score. As long as the white bar is used, there will be a record on the credit, and if it is not used in the future, then no record will be generated.

After the payment is completed, the user cancels the white bar, and then can re-open the white bar, which needs to be reviewed by the system, and if it fails to pass the review, it needs to be re-opened after a period of time.

Big data of online lending can reflect the real situation of online lending. If you have too many loans, it is recommended to check your credit data. Find:

Shell tip quick check, can generate big data reports. Although there is a difference between the two, in order to avoid the situation that individuals are unable to repay bad debts, bank loans will also pay attention to the big data credit situation, and bad credit will affect the rights of many aspects.

Extended information: Will the white strip be overdue for one day on the credit report?

The white strip is overdue for one day, and the Jingdong white strip has been fully connected to the credit information system of the People's Bank of China, as long as the white strip is overdue, whether it is overdue for 1 minute or one day overdue, it will be on the credit report. If the overdue day is overdue, as long as the money is paid off before the deadline, then this short-term and occasional overdue will not have much impact on personal credit reporting. Long-term, continuous white bar overdue records can cause personal credit stains.

Jingdong Baitiao will be on the credit report if it is cancelled,According to JD's official customer service,Use Jingdong Baitiao,Cancellation of account cannot avoid credit information,Even if the account is cancelled,The bill in Jingdong Baitiao in the past year will also be completely reported to the credit information。 If the use of Jingdong Baitiao is overdue, even if the account is cancelled, it will still affect the credit investigation, and a certain overdue fee will be charged after the Baitiao is overdue, and it must be actively dealt with if it is overdue.

Jingdong Baitiao before the repayment date, you can choose to repay the minimum repayment amount, if it is overdue, then you need to calculate the liquidated damages on a daily basis, the current overdue rate is 0 07 per day, the longer the time, the maximum repayment pressure, or to repay on time.

White bars will affect credit reporting.

The white bar has been fully connected to the credit information system, so the use of the white bar will affect the credit investigation. However, the impact is divided into two aspects, if the repayment is made on time in each period, it is conducive to maintaining personal credit, which has a positive impact on personal credit. Late repayment will have an adverse impact on personal credit reporting, which will make it more difficult to apply for housing loans, car loans, and credit cards in the future.

Extended Information] Jingdong Baitiao is the industry's first Internet credit payment product launched by JD.com, which is a credit payment service provided for users with high credit ratings and consumption 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.

If you have a white bar usage record before, then this relevant application usage record will exist in your personal credit report for at least five years, especially the credit inquiry record.

I. Personal credit reporting refers to the activities of lawfully established personal credit reporting establishments collecting and processing personal credit information, and providing personal credit information inquiry and assessment services upon user request. Personal credit reports are personal credit history records that credit reporting establishments have collected in accordance with law, processed and sorted out in accordance with law, and finally provided to lawful information inquirers in accordance with law.

2. Credit report.

At present, it is mainly used for various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in various fields such as commercial credit sales, credit transactions, and recruitment and job search. In addition, the personal credit report also provides a way for the inquirer to examine and regulate his or her own credit history behavior, and forms a verification mechanism for personal credit information.

3. Influencing factors.

The main factors that may affect an individual's credit risk score are: there has been a late repayment in the loan, or the credit card overdraft has not been repaid within the agreed period and repayment amount, or there are too many loan accounts and credit cards, etc.

Regulations on the Management of Credit Reporting.

IV. Credit reporting establishments or information providers receiving objections shall follow the provisions of the department for the oversight and management of the credit reporting industry to make a note of the existence of objections to the relevant information, conduct a review and handle it within 20 days of receiving the objection, and reply to the objector in writing on the outcome.

5. Where, upon verification, it is confirmed that there are truly errors or omissions in the relevant information, the information providers and credit reporting establishments shall make corrections; where it is confirmed that there are no errors or omissions, the objection marking shall be cancelled; Where it is still not possible to confirm after verification, the circumstances of the verification and the content of the objection shall be recorded.

Sixth, the state of development.

At present, the personal credit business has further expanded to the fields of foreign banks and non-banks, and has cooperated with pawnbroking, guarantee, leasing and other institutions, entering a new stage of development. The enterprise credit information system collects all kinds of commercial credit information of the enterprise, including enterprise registration information, annual inspection grade, product compliance information, tax grade information, and state-owned assets performance evaluation letter.