1. The used IOUs can be recovered. After the user purchases goods with IOUs, the used amount will be temporarily frozen until the IOUs repayment form is issued and the user repays the IOUs. This quantity can be recovered by the user.
When users find that the use of white bars is restricted, it is probably because the previously used white bars have not been returned, which leads to the inability to continue using them.
2. Using IOUs to generate overdue IOUs is a loan product that gives credit according to users' credit rating. Once the user's credit rating changes, the IOUs system will restrict users from trading with IOUs.
If the user fails to pay the arrears when using the IOU, the system will downgrade the user's credit rating, resulting in the user not being able to use the IOU normally.
3. There are abnormal transactions and personal information. If the system detects that users use white bars to cash out, lend them to others or use them in other non-compliant payment scenarios, then in order to avoid risks, the white bar system will restrict users from using white bars.
Similarly, if the system detects that the personal information of the current user is inconsistent with the personal information when the user applied for opening the white strip, it will also restrict the user from using the white strip.
4. Personal qualifications have changed. If the user's assets and liabilities have undergone major changes in the process of using IOUs, or the user's current income level cannot bear the responsibility of repaying IOUs bills on schedule, or even the user is in a state of restriction or no capacity for civil conduct and is included in the list of untrustworthy people, then when the IOUs system detects these changes, it is likely to reduce the amount of IOUs used or restrict users from using IOUs for consumption.
5. System misjudgment If the above factors are excluded, the IOUs transaction is still restricted. It is very likely that the system misjudged when monitoring the account risk, resulting in the user's IOUs account being locked.
Because the system misjudged the account, the user can complain to the customer service and provide evidence that his account transaction is safe and there is no credit problem. After verification, the customer service will unfreeze the white account for the user.
If you are facing the problem that online loans are overdue and being collected, I suggest you go to "Beijian Quick Check" to inquire, so as to get a detailed big data report, understand your overdue records, and classify your online loans, so as to distinguish between formal loans with credit information and informal loans without credit information. If you want to pay back the money, but the funds are insufficient at present, I suggest you negotiate with the online lending platform to give priority to repaying formal and reputable loans and minimize the impact on yourself. This will not only improve your credit, but also help you apply for other loans in the future.
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Can I use WeChat to borrow money for repayment in JD.COM?
JD.COM IOUs cannot be repaid by WeChat.
At present, the repayment of JD.COM IOUs under JD Finance has not been connected with WeChat, so JD.COM IOUs cannot be paid through WeChat.
When JD.COM borrows the loan, he supports repayment through Jingdong Small Treasury, my savings card and other people's savings cards, but does not support repayment through credit card, WeChat or Alipay.
However, users can withdraw the balance in WeChat to the savings card bound to JD.COM account, and after successful withdrawal, they can pay the bill of JD.COM IOUs through the savings card.
Users can pay directly through WeChat when shopping in JD.COM Mall, but JD.COM IOUs cannot pay through WeChat.
Because JD.COM Baitiao is a business owned by JD Finance, and it does not belong to JD.COM Mall, JD.COM Baitiao is only a payment method of JD.COM Mall, and WeChat payment is also a payment method.
JD.COM Mall supports JD.COM IOUs and WeChat payment, but Jingdong Finance does not support WeChat payment, so JD.COM IOUs cannot be paid through WeChat.