{"topic":{"id":13739,"title":"关于京东白条影响征信的问题【转】","slug":"topic","userId":5151,"categoryId":4,"createdAt":"2024-10-23 07:24:37.745267","bumpedAt":"2024-10-29 11:20:30.320393","views":327,"postsCount":13,"highestPostNumber":13,"likeCount":5,"closed":false,"pinned":false,"pinnedGlobally":false,"pinnedAt":null,"pinnedUntil":null,"isBanner":false,"excerpt":"看来一下大概是这样？客户 A 用自己的信用担保在某东白条上借 1 万。但某东白条只是中间商。它也是向银行借的，用的客户 A 的信用担保。但某东白条借的不止 1 万，借了 10 万。然后给了 1 万给客户。自己留下 9 万自己操作。所以在客户 A 不知情的情况下已经有了 10 万的欠债。当然某东悄悄多借的那 9 万，某东肯定会还的。但在现在某东暴雷的情况下。。。。所以开通过白条的大家去查查征信看看自己的真实欠款吧？楼…","deletedAt":null,"isAnonymous":false,"isPrivate":false,"isMembersOnly":false,"category":{"id":4,"name":"谈笑风生","slug":"general","color":"25AAE2"},"author":{"id":5151,"username":"Soyo34325","name":"Soyo34325","avatarUrl":"/uploads/image/9d/e5/9de500d3afb55c0fe71e319832f2af75532222efe94bd3de9aea21f0f5c55707.avif"},"realAuthor":{"id":5151,"username":"Soyo34325","name":"Soyo34325","avatarUrl":"/uploads/image/9d/e5/9de500d3afb55c0fe71e319832f2af75532222efe94bd3de9aea21f0f5c55707.avif"},"tags":[]},"posts":[{"id":41953,"postNumber":1,"raw":"> 看来一下大概是这样？\n客户 A 用自己的信用担保在某东白条上借 1 万。\n但某东白条只是中间商。它也是向银行借的，用的客户 A 的信用担保。\n但某东白条借的不止 1 万，借了 10 万。然后给了 1 万给客户。自己留下 9 万自己操作。\n所以在客户 A 不知情的情况下已经有了 10 万的欠债。\n当然某东悄悄多借的那 9 万，某东肯定会还的。但在现在某东暴雷的情况下。。。。\n所以开通过白条的大家去查查征信看看自己的真实欠款吧？\n[grid mode=\"tile\"]\n![image|690x318](/uploads/image/36/e4/36e450ec919d8fb356b5d39b3eb6b4a099b9f66ff0d355f925a70bf18423aae0.avif)\n![image|231x500](/uploads/image/cd/de/cdde8a575430c699a78a6ba6e2cba2a1a45a9d58fc41c87dc33c7db2e2f68bed.avif)\n![image|231x500](/uploads/image/15/03/1503991d537fd7ea107be83fd9c237bd6011808c4710f5e21a4dd5ac1210955b.avif)\n![image|231x500](/uploads/image/c6/76/c676e22d5d1403a8a4bdc8f8919961369aed5953156288561c684055a920b204.avif)\n![image|375x431](/uploads/image/fa/17/fa1753fb993e6af2742dd0bc9dfe8f792c2b6e8a29714404bc65c3488dbd846a.avif)\n[/grid]\n\n楼主昨天查了，妹有上征信\n\n不过我今年 1 月份就没用过了，只用了一次，感觉还是有点吓人的，已经注销了～","cooked":"

\n
看来一下大概是这样？
\n客户 A 用自己的信用担保在某东白条上借 1 万。
\n但某东白条只是中间商。它也是向银行借的，用的客户 A 的信用担保。
\n但某东白条借的不止 1 万，借了 10 万。然后给了 1 万给客户。自己留下 9 万自己操作。
\n所以在客户 A 不知情的情况下已经有了 10 万的欠债。
\n当然某东悄悄多借的那 9 万，某东肯定会还的。但在现在某东暴雷的情况下。。。。
\n所以开通过白条的大家去查查征信看看自己的真实欠款吧？
\n

$\"image\"$
\n $\"image\"$
\n $\"image\"$
\n $\"image\"$
\n $\"image\"$

楼主昨天查了，妹有上征信

不过我今年 1 月份就没用过了，只用了一次，感觉还是有点吓人的，已经注销了～

\n","createdAt":"2024-10-23 07:24:37.958397","updatedAt":"2024-10-23 07:24:37.958397","replyToPostNumber":null,"replyCount":0,"likeCount":2,"wordCount":240,"liked":false,"bookmarked":false,"polls":[],"reactions":[{"reaction":"😰️","count":2,"users":[{"id":200,"username":"Srotseiticar","name":null},{"id":2902,"username":"1313","name":"ᐕ)ﾉ"}],"hasReacted":false},{"reaction":"❤️","count":2,"users":[{"id":200,"username":"Srotseiticar","name":null},{"id":2902,"username":"1313","name":"ᐕ)ﾉ"}],"hasReacted":false}],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":5151,"username":"Soyo34325","name":"Soyo34325","avatarUrl":"/uploads/image/9d/e5/9de500d3afb55c0fe71e319832f2af75532222efe94bd3de9aea21f0f5c55707.avif","admin":false,"moderator":false,"signatureRaw":"ぜーんぶ弾けなーい！","signatureCooked":"

ぜーんぶ弾けなーい！

\n"}},{"id":41954,"postNumber":2,"raw":"会玩哦","cooked":"

会玩哦

\n","createdAt":"2024-10-23 07:45:52.972618","updatedAt":"2024-10-23 07:45:52.972618","replyToPostNumber":null,"replyCount":0,"likeCount":0,"wordCount":3,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":131,"username":"ChanWingYan","name":"陳永仁 | CHAN Wing Yan","avatarUrl":null,"admin":false,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":41955,"postNumber":3,"raw":"刚想用白条买新笔记本的😨","cooked":"

刚想用白条买新笔记本的😨

\n","createdAt":"2024-10-23 07:57:29.036775","updatedAt":"2024-10-23 07:57:29.036775","replyToPostNumber":null,"replyCount":1,"likeCount":1,"wordCount":12,"liked":false,"bookmarked":false,"polls":[],"reactions":[{"reaction":"😰️","count":1,"users":[{"id":5151,"username":"Soyo34325","name":"Soyo34325"}],"hasReacted":false},{"reaction":"❤️","count":1,"users":[{"id":5151,"username":"Soyo34325","name":"Soyo34325"}],"hasReacted":false}],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":200,"username":"Srotseiticar","name":null,"avatarUrl":"/uploads/image/b1/9c/b19c1e66543642c1f8875cee0af0cf23bc42ced9ab04c26a042f5da02566d26c.avif","admin":false,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":41956,"postNumber":4,"raw":"不逾期应该没啥事，还是尽量早还清比较好？","cooked":"

不逾期应该没啥事，还是尽量早还清比较好？

\n","createdAt":"2024-10-23 08:04:26.046119","updatedAt":"2024-10-23 08:04:26.046119","replyToPostNumber":3,"replyCount":1,"likeCount":0,"wordCount":20,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":5151,"username":"Soyo34325","name":"Soyo34325","avatarUrl":"/uploads/image/9d/e5/9de500d3afb55c0fe71e319832f2af75532222efe94bd3de9aea21f0f5c55707.avif","admin":false,"moderator":false,"signatureRaw":"ぜーんぶ弾けなーい！","signatureCooked":"

ぜーんぶ弾けなーい！

\n"}},{"id":41957,"postNumber":5,"raw":"~~主要看到能 24 期太心动了~~\n先等有没有更多案例看看","cooked":"

~~主要看到能 24 期太心动了~~
\n先等有没有更多案例看看

\n","createdAt":"2024-10-23 08:11:09.270714","updatedAt":"2024-10-23 08:11:09.270714","replyToPostNumber":4,"replyCount":1,"likeCount":0,"wordCount":24,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":200,"username":"Srotseiticar","name":null,"avatarUrl":"/uploads/image/b1/9c/b19c1e66543642c1f8875cee0af0cf23bc42ced9ab04c26a042f5da02566d26c.avif","admin":false,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":41958,"postNumber":6,"raw":"我之前也是因为免息加优惠卷才注册使用的 :face_holding_back_tears_hugging_face:","cooked":"

我之前也是因为免息加优惠卷才注册使用的 $\":face_holding_back_tears_hugging_face:\"$

\n","createdAt":"2024-10-23 08:21:35.343849","updatedAt":"2024-10-23 08:21:35.343849","replyToPostNumber":5,"replyCount":0,"likeCount":0,"wordCount":20,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":5151,"username":"Soyo34325","name":"Soyo34325","avatarUrl":"/uploads/image/9d/e5/9de500d3afb55c0fe71e319832f2af75532222efe94bd3de9aea21f0f5c55707.avif","admin":false,"moderator":false,"signatureRaw":"ぜーんぶ弾けなーい！","signatureCooked":"

ぜーんぶ弾けなーい！

\n"}},{"id":41960,"postNumber":7,"raw":"白条这玩意之前家里人买东西被狗东骗着开了🫠记得关掉还挺麻烦的从此对这玩意更有偏见","cooked":"

白条这玩意之前家里人买东西被狗东骗着开了🫠记得关掉还挺麻烦的从此对这玩意更有偏见

\n","createdAt":"2024-10-23 10:08:54.980309","updatedAt":"2024-10-23 10:08:54.980309","replyToPostNumber":null,"replyCount":0,"likeCount":1,"wordCount":40,"liked":false,"bookmarked":false,"polls":[],"reactions":[{"reaction":"❤️","count":1,"users":[{"id":5151,"username":"Soyo34325","name":"Soyo34325"}],"hasReacted":false}],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":2902,"username":"1313","name":"ᐕ)ﾉ","avatarUrl":"/uploads/image/54/54/5454f44e713b53c012953b2de450d2539979427ce4ccbd5683c76257f88ee733.avif","admin":false,"moderator":false,"signatureRaw":"[right]好吧。[/right]","signatureCooked":"

好吧。

"}},{"id":41963,"postNumber":8,"raw":"我想开白条还不让我开，怎么，京东，难道我信用特别差？","cooked":"

我想开白条还不让我开，怎么，京东，难道我信用特别差？

\n","createdAt":"2024-10-23 10:23:37.847826","updatedAt":"2024-10-23 10:23:52.769883","replyToPostNumber":null,"replyCount":1,"likeCount":0,"wordCount":26,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":346,"username":"hoist","name":null,"avatarUrl":"/uploads/image/0d/cd/0dcdf69d213b6798002779ad4b729567cd4d889ee4a56c07a8c4454e8b563219.avif","admin":false,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":41965,"postNumber":9,"raw":"🤣🤣东哥不把你当兄弟","cooked":"

🤣🤣东哥不把你当兄弟

\n","createdAt":"2024-10-23 10:54:38.878079","updatedAt":"2024-10-23 10:54:38.878079","replyToPostNumber":8,"replyCount":0,"likeCount":0,"wordCount":9,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":5151,"username":"Soyo34325","name":"Soyo34325","avatarUrl":"/uploads/image/9d/e5/9de500d3afb55c0fe71e319832f2af75532222efe94bd3de9aea21f0f5c55707.avif","admin":false,"moderator":false,"signatureRaw":"ぜーんぶ弾けなーい！","signatureCooked":"

ぜーんぶ弾けなーい！

\n"}},{"id":41984,"postNumber":10,"raw":"刚薅完羊毛，已经注销；每次都是用的时候启动，然后一次付清，一键注销","cooked":"

刚薅完羊毛，已经注销；每次都是用的时候启动，然后一次付清，一键注销

\n","createdAt":"2024-10-23 18:29:41.845192","updatedAt":"2024-10-23 18:29:41.845192","replyToPostNumber":null,"replyCount":2,"likeCount":1,"wordCount":33,"liked":false,"bookmarked":false,"polls":[],"reactions":[{"reaction":"😋️","count":1,"users":[{"id":5151,"username":"Soyo34325","name":"Soyo34325"}],"hasReacted":false},{"reaction":"❤️","count":1,"users":[{"id":5151,"username":"Soyo34325","name":"Soyo34325"}],"hasReacted":false}],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":393,"username":"Forever","name":"夕颜","avatarUrl":"/uploads/image/cb/8f/cb8fed74880990a8cdc345e0290dc563b60ab6c378f086c2683c01e83acdd92a.avif","admin":false,"moderator":false,"signatureRaw":"喵？","signatureCooked":"

喵？

\n"}},{"id":41985,"postNumber":11,"raw":"干得漂亮","cooked":"

干得漂亮

\n","createdAt":"2024-10-23 19:34:02.594576","updatedAt":"2024-10-23 19:34:02.594576","replyToPostNumber":10,"replyCount":0,"likeCount":0,"wordCount":4,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":5151,"username":"Soyo34325","name":"Soyo34325","avatarUrl":"/uploads/image/9d/e5/9de500d3afb55c0fe71e319832f2af75532222efe94bd3de9aea21f0f5c55707.avif","admin":false,"moderator":false,"signatureRaw":"ぜーんぶ弾けなーい！","signatureCooked":"

ぜーんぶ弾けなーい！

\n"}},{"id":42308,"postNumber":12,"raw":"[quote=\"夕颜，post:10, topic:13739, username:Forever\"]\n每次都是用的时候启动，然后一次付清，一键注销\n[/quote]\n\n不知道每次开通的时候会不会查询征信，要是征信查询频率过高会影响贷款的。","cooked":"

\n\t\t\t\t\t

\n\t\t\t\t\t\t

\n\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t夕颜，post:10, topic:13739, username:Forever:\n\t\t\t\t\t\t

\n\t\t\t\t\t

\n
每次都是用的时候启动，然后一次付清，一键注销
\n

\n\t\t\t\t

不知道每次开通的时候会不会查询征信，要是征信查询频率过高会影响贷款的。

\n","createdAt":"2024-10-29 08:27:41.529901","updatedAt":"2024-10-29 08:27:41.529901","replyToPostNumber":10,"replyCount":1,"likeCount":0,"wordCount":64,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":4668,"username":"IO","name":null,"avatarUrl":null,"admin":true,"moderator":false,"signatureRaw":"","signatureCooked":null}},{"id":42331,"postNumber":13,"raw":"反正我也不常用喵，基本几个月消费一把","cooked":"

反正我也不常用喵，基本几个月消费一把

\n","createdAt":"2024-10-29 11:20:30.320393","updatedAt":"2024-10-29 11:20:30.320393","replyToPostNumber":12,"replyCount":0,"likeCount":0,"wordCount":18,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":393,"username":"Forever","name":"夕颜","avatarUrl":"/uploads/image/cb/8f/cb8fed74880990a8cdc345e0290dc563b60ab6c378f086c2683c01e83acdd92a.avif","admin":false,"moderator":false,"signatureRaw":"喵？","signatureCooked":"

喵？

\n"}}],"hasMore":false,"lastReadPostNumber":1,"hasUrlPostNumber":false}