The temporary credit card limit is phased. After the temporary line expires, the user only needs to repay the loan according to the posting time, and it is not necessary to pay off all the used temporary lines on the expiration date. The temporary line can be recycled within the validity period and repaid after the validity period, and the temporary line is directly recovered by the bank. If you want to use the temporary line again, you need to apply again. If users want to recover the temporary credit line, they must repay it within the validity period. If they don't recover it, they can repay it according to the recorded time.
1. The temporary credit card limit expires and needs to be returned in full. After the temporary quota expires, all the temporary quotas used are included in the minimum repayment amount of the bill, and it is impossible to apply for installment and minimum repayment amount. Users need to pay off before the due repayment date (inclusive), otherwise it is equivalent to failing to repay on time, resulting in overdue and adverse effects.
The temporary line of 2.JD.COM IOUs expires, so it is not necessary to pay it off in one lump sum. For example, if the temporary amount of the IOU is 600 yuan and the IOU is divided into 12 installments, then the IOU actually expires in the third month, and the user does not need to repay in full in the third month, but can still repay in the previous installments. And if the temporary white line expires, it will not affect the completed order, and the previous installment is still valid. For users, the expiration of the temporary white line will not increase the repayment pressure.
3. The temporary quota of flower beds does not need to be paid off in one lump sum when it expires. First of all, the temporary quota for flower beds does not need to be returned immediately when it expires. It also follows the normal charging rules. After being included in the bill together with the fixed amount, it can be repaid before the repayment date of next month. For example, in June 10, the temporary consumption limit for September is issued, and then the user can repay the loan before June 9 or June 10 (inclusive). In addition, Huayuan's temporary quota can be applied for installment repayment, and bills containing temporary quota can be repaid in installments or with the minimum repayment amount. If you need to pay in installments, you only need to apply for bill installment before the due repayment date. The operating steps are as follows: First, click the "Repay Now" button in the "Flower Garden" interface of Alipay APP, and then click the "bill installment" option, and then follow the page prompts to select. Although Huayuan temporary credit line will not be repaid once it expires, it will automatically become invalid after it expires. The credit line before applying for temporary credit line will be restored, and users can no longer use the temporary credit line.
What's the matter with reducing the amount of IOUs?
The reasons for the decrease in IOUs are as follows:
1. overdue behavior: if the borrower has overdue repayment behavior when using the IOU, the system will think that the borrower has not used the IOU as required, thus reducing the IOU amount and preventing the repayment risk.
2. There is something wrong with the credit: the IOU will review the applicant irregularly. If the applicant's personal credit information is found to be overdue, the amount owed by JD.COM will be reduced to prevent risks.
3. Prepayment: If the applicant often prepays after using JD.COM White Strips, the system thinks that the applicant does not have much demand, thus reducing the quota to users who need it.
1. When will the IOUs generally give you a temporary line?
The time for IOUs to provide temporary credit line is uncertain, and it may be provided at any time after irregular evaluation of users' comprehensive credit status. If provided, the details page of the white note will naturally be displayed, and the customer can collect it directly. Don't worry, IOUs often have activities to raise the amount, such as raising the amount package every week. On the eve of big promotion activities (such as Double Eleven, Double Twelve, Mid-year 6 18, Goddess Day, etc.). ), in order to stimulate users' consumption, temporary quotas will be provided to users substantially.
Is it necessary to pay off the temporary amount of IOUs in 2.JD.COM once it expires?
The temporary line of JD.COM IOUs expires, so it is not necessary to pay it off in one lump sum. For example, if the temporary amount of the IOU is 600 yuan and the IOU is divided into 12 installments, then the IOU actually expires in the third month, and the user does not need to repay in full in the third month, but can still repay in the previous installments.
And if the temporary white line expires, it will not affect the completed order, and the previous installment is still valid. For users, the expiration of the temporary white line will not increase the repayment pressure.
Third, why is it taboo to repay the loan in advance in JD.COM?
The reason why JD.COM Baitiao's prepayment is taboo is that many users have reduced the loan amount after prepayment in JD.COM Baitiao. Actually, it is not. Because JD.COM Baitiao gives the loan amount according to the user's comprehensive qualification, it may be that the borrower's comprehensive qualification is not very good, which has little to do with prepayment. However, frequent prepayment is not a good loan habit and may be automatically reduced by the system.
The temporary limit of IOUs has passed. Do I need to pay in one lump sum?
The temporary line of JD.COM IOUs expires, so it is not necessary to pay it off in one lump sum. For example, if the temporary amount of the IOU is 600 yuan and the IOU is divided into 12 installments, then the IOU actually expires in the third month, and the user does not need to repay in full in the third month, but can still repay in the previous installments.
And if the temporary white line expires, it will not affect the completed order, and the previous installment is still valid. For users, the expiration of the temporary white line will not increase the repayment pressure.
Temporary credit line, as its name implies, refers to the credit line temporarily adjusted by the bank to credit card holders. Generally speaking, temporary credit lines are all increased.
Generally speaking, if your credit card has a good record and there is no overdue or other illegal use of the card, you can temporarily increase the credit limit, and the scope of increasing the temporary credit limit is generally controlled at several times of the fixed limit. In addition, on Christmas, New Year's Day, Spring Festival, Eleventh and other fixed holidays, the bank credit card center will actively adjust the temporary credit card limit. Generally, the increased temporary credit limit is x times of the fixed credit limit for cardholders' holiday consumption. Your quota will be restored to the original fixed quota about one month after the holiday.
“JD。 COM White Strip is the first Internet credit payment product in the industry, which allows users to enjoy the consumption experience of "consumption first, payment later, real-time approval and arbitrary installment", and quickly becomes an industry model, laying the leading brand position of Jingdong Finance in the consumer finance industry.
In positioning, "JD. COM White Strip is a credit payment service for users with high credit rating and consumer demand through the credit evaluation of big data. Users can enjoy the service of paying first and shopping in installments in JD.COM Mall, with a maximum of 24 installments. Bills can also be repaid in installments, with the lowest repayment rate and lower execution rate than bank credit cards. Jingdong Finance Consumer Finance has opened more than 1 100 million users.
Since then, "Baitiao" has also opened up O2O(JD.COM arrives at home), global purchase and product crowdfunding within the JD.COM system, and then gradually covered the fields of renting, tourism, decoration, education, wedding and so on, extending from credit house purchase service to providing credit consumption loans, covering more consumption scenarios and providing credit consumption services for more consumers.
JD.COM Baitiao's service scene has gradually expanded, with nearly 10 million online and offline merchants, covering life and entertainment, business travel, education and training, communication, leasing and other industries. Cooperate with the bank to co-sign the electronic account "White Strip Flash Payment", expand the white strip payment to offline through NFC technology, and further broaden the use scenarios of white strip payment by binding WeChat payment.