The consequences of JD. Unable to repay the debt.

What are the consequences of JD? The white stripes of COM

“JD。 If the "IOU" fails to repay on time, it will have the following consequences:

1, affecting personal credit;

2. In case of liquidated damages, JD.COM White Bar Association will notify you by SMS to deduct a certain amount of liquidated damages;

3. Upload the record to the credit information system and leave a stain;

4. Close the account. If the repayment is overdue for more than 30 days, the account can be cancelled;

If it is serious, this user is not allowed to use it again.

JD.COM IOUs' failure to repay on time may lead to the suspension (or termination) of credit payment services or other related services, and may lead to the adjustment or cancellation of users' credit lines by the system. The system will apply to the relevant departments for investigation and bring a lawsuit to the court. The platform entrusts others to recover the loan from me, and demands to pay related installment service fees, liquidated damages and other expenses. The longer it is overdue, the more serious the consequences will be.

If JD.COM needs to repay after applying for IOUs, individuals need to open the mobile phone desktop first, then find the JD.COM App on the mobile phone desktop, click Open, then click my icon in the lower right corner, select IOUs on the left side of the wallet bar in my interface, and finally click the button to be returned on the left to select repayment.

“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 shopping and product crowdfunding within the JD.COM system, and then gradually covered the fields of renting, tourism, decoration, education, wedding, etc., extending from credit house purchase service to providing credit consumption loans, covering more consumption scenarios and providing credit consumption services for more consumers.

What will happen if JD.COM fails to repay the loan on time?

JD.COM Baitiao is the first Internet consumer finance product in the industry. There is no grace period for IOUs in JD.COM, and one day overdue will affect the credit investigation. After affecting the credit information, it will affect the purchase loan. It should be noted that if it is overdue for no reason, such as forgetting, after one day overdue, you can call JD.COM Baitiao customer service to explain that the overdue behavior is unintentional and apply for exemption from overdue records.

First, the consequences of not repaying JD.COM's IOUs;

1, resulting in late fees.

There will be an overdue fee for blank paper. If the repayment is not made in full on the final repayment date, JD Finance will charge a service fee at the daily interest rate of 0.05%. In addition, if the minimum amount is not paid, a penalty of 0.0 15% will be charged every day in addition to the service fee.

2, affect personal credit

Since JD.COM IOUs have been connected to the central bank's credit information system, if IOUs do not repay, the overdue debt records will be reported to the central bank for credit information. At that time, your personal credit report will have a bad credit record and your personal credit will be affected. And white stripes will also affect your white stripe credit.

3, affect the use of white bars

If you don't return the white bill, the system will probably lower your white bill limit to avoid risks, and may even stop the white bill account. And you may never be able to use white bars properly again.

4. Collectibles

After the white form is overdue, you may receive text messages, phone calls, letters, door-to-door collection, and even be sued.

Second, the JD.COM White Paper is an Internet consumer finance product launched by JD.COM. Customers can use white paper to "spend first and then repay". Users can enjoy up to 30 days' deferred payment or up to 24 installments.

"Pay first", enjoy a maximum interest-free period of 30 days and a maximum of 24 installments. Log in to Baitiao official website or Jingdong Financial app Baitiao, and you can enter the page to apply for activation independently. JD.COM mall users are eligible to activate the "white paper" on mall consumption.

According to the person in charge of risk control of Jingdong Financial Consumer Finance Division, the credit business of consumer finance business does not need manual approval, and users are identified through the risk control big data model. The control system after the typhoon will "identify" users according to their shopping habits, credit status and the stability of the receiving address. , combined with various factors and data, and then quickly give the evaluation results of whether the "white strip" is acceptable. Short-term overdue of IOUs will not have much impact on the account. As long as we return the IOUs in time, we can restore the account to normal without affecting the use of IOUs. If it is not repaid for a long time, you will receive a repayment reminder from the platform. If it is not returned in time later, accounts and individuals will begin to be affected.

What will happen to JD? COM's white stripes?

JD.COM Baitiao is a credit payment service under Jingdong Finance. If the user fails to repay the loan within the time limit, it will have more negative effects. The specific negative effects are as follows:

1. Credit investigation of overdue records

JD.COM Baitiao has been connected with the credit information system of the People's Bank of China. If users use IOUs for repayment or overdue repayment, their records will be uploaded to the credit information system of China People's Bank. Normal loan records and repayment records will not affect personal credit information, and overdue records will lead to poor personal credit information.

2. Overdue penalty interest.

After the overdue IOUs of JD.COM are overdue, the overdue penalty interest will be charged according to the overdue days. The longer the overdue days, the more penalty interest will be generated. When the user's repayment ability is insufficient, the overdue penalty interest will increase the user's repayment burden, which will make it difficult for the user to repay later.

3. I met many collections.

After JD.COM's IOUs are overdue, the early overdue is mainly to send a collection message to the lender, and then call the collection phone to collect the money from the lender. When the short message and telephone collection do not have a good collection effect, the collection staff may call the users' family and friends to collect money, which will affect their daily life. Even when the user's overdue situation is serious, the collection staff may come to the door for collection.

4, affect the use of white bars

JD.COM IOU expires, and users will not be able to continue to use IOU. The user has paid off the overdue debt, and whether the IOUs can be used in the future depends on the display of the page. JD.COM White Strips have produced overdue records in the use process. Before deleting overdue records, users may not be able to use white bars because of previous overdue records.

5. Unable to handle other credit business.

When users have bad credit information, they will not be able to handle most credit business. After submitting the application, most credit businesses need to be authorized to inquire about users' personal credit reports. Financial institutions will directly reject the user's application if they find that there are overdue records of JD.COM IOUs in the user's credit report. Only after deleting overdue records can users apply for credit business to pass the examination.

6. JD Finance may sue users.

After JD.COM's IOUs are overdue for 3 months, JD Finance may sue users. After being sued, the user's personal credit will be further damaged. After receiving the lawsuit, the court will first intervene to let the two sides negotiate. If both parties reach an agreement through consultation, they may sign a repayment agreement. The user needs to repay the loan according to the repayment agreement. After both parties reach an agreement through consultation, JD Finance withdraws the lawsuit. However, if the two parties fail to reach an agreement through consultation, the court will make a judgment, and the court's judgment is also to sentence the user to pay off the overdue debts as soon as possible.

7. Both job hunting and civil service examination are affected.

Users will need to check their personal credit report when they go to a big factory to apply for a job or even take an examination of civil servants. There are overdue records of JD.COM's IOUs in the user's credit report, indicating that the user's personal credit is not very good, which may affect the job search and civil service examination results.

8. Affect JD.COM gold bars.

JD.COM gold bars will not be used after the expiration of JD.COM white bars. One of the application conditions of JD.COM Gold Bar is that the user's credit information is good, and the user's credit information will be in a bad state until the overdue record of white bars is deleted. If you want to delete overdue records of IOUs as soon as possible, users must pay off overdue debts. After paying off overdue debts, overdue records will be kept in credit information for 5 years, and will be automatically deleted after 5 years.

9. White stripes have been downgraded and stopped.

If JD.COM IOUs are overdue, the system will re-evaluate the IOUs account of users, and IOUs may be downgraded or even stopped after the evaluation. This is because after the overdue IOUs, the user's personal comprehensive credit score will drop, which will directly affect the user's qualification to use IOUs and the number of IOUs that can be used.

JD.COM's overdue repayment of IOUs will have many negative effects. Please pay off the overdue debts as soon as possible after the IOUs expire. If you are unable to repay, you can apply for repayment from Jingdong Finance through negotiation. After successful negotiation, repayment can be made according to the agreement of negotiation.