Is it serious that JD.COM's IOUs are overdue for 2 days? If it's two days overdue, sue?

It's not serious that JD.COM's IOUs are overdue for two days. Usually don't sue immediately.

Details are as follows:

1.JD.COM White stripe is a virtual credit card provided by JD.COM. Users can spend online through IOUs, and repay within the time agreed in the contract. If the user overdue repayment, there will be a certain penalty and interest.

2. Although JD.COM's IOUs are overdue for two days, which is a breach of contract, under normal circumstances, they will not be prosecuted immediately. Generally speaking, JD.COM will take the following measures:

A. Send reminder notice: JD.COM will remind users of repayment by SMS, telephone, etc. After a period of time, I hope to solve the overdue problem as soon as possible.

B. Increase penalty interest and liquidated damages: During the overdue period, JD.COM will increase penalty interest and liquidated damages according to the contract as punitive measures for overdue users. Users need to bear the corresponding expenses according to the actual situation.

C. Registration of bad records: If the overdue situation is serious or lasts for a long time, JD.COM may register the overdue records of users in the credit information system, which will have an impact on the credit rating of users.

3. Summary: Two days overdue is not serious for JD.COM IOUs, and no lawsuit will be filed immediately. JD.COM will remind users of repayment in different ways, and increase penalty interest and liquidated damages according to the contract. If the overdue problem is solved in time, the credit impact on users will be relatively small.

Extended data:

The specific treatment of overdue repayment may be different due to personal credit record, overdue situation and contract agreement. Users are advised to repay the loan on time and maintain a good credit record when using JD.COM IOUs. Overdue repayment may lead to adverse effects, including credit rating decline and credit card limit reduction. Therefore, good financial management and repayment plan are essential to avoid overdue problems. If you don't know the specific situation, it is recommended to consult JD.COM customer service or professional lawyers and other relevant institutions for accurate legal and repayment advice.

The above is the answer to the question that JD.COM's IOUs are overdue for two days. I hope it helps you.