JD.COM IOUs usually demand repayment after several days overdue.

JD。 Merchants attach great importance to overdue behavior. Under normal circumstances, overdue SMS will be sent to the borrower on 1, 3, 5, 7, 10 and 15 days to remind the borrower of repayment. If you don't pay back the money all the time, it will affect your personal credit or be sued.

The overdue lock of JD.COM's IOUs also shows the quota. Because this quota cannot be used, it has not been modified in the background. After the user pays off the arrears, the arrears will be automatically unlocked for about 2 hours. If it is not unlocked after the time limit, it means that the user's situation does not meet the platform requirements for the time being.

It is suggested that users should pay attention to the habit of timely repayment and not overdue when using JD.COM IOUs, otherwise they will be locked and reported to the credit reporting agency. If JD.COM's IOU is overdue, a penalty will be charged. If they fail to pay the due amount in full before the due repayment date, it will be regarded as a breach of contract.

The penalty is 0.05% per day. If JD.COM's IOUs are maliciously overdue, they will also be reported to the central bank for credit investigation. In addition to protecting personal information, borrowers can also learn about their online loan usage through Sky Data and find this WeChat applet. The report includes comprehensive scores, application records and other details, as well as the big data status of personal online loans. If big data is confusing, it must be corrected in time to avoid a major impact on personal credit information.