How long is JD.COM overdue for credit reporting? Credit information is overdue for a few days.

How long are JD.COM gold bars and white bars overdue for credit reporting?

once the gold bars and white bars in JD.COM are overdue, the specific time for reporting the overdue credit information is uncertain, so we can't give an accurate answer, but we can make a rough analysis:

1. Generally, the overdue credit information will not be reported immediately.

Put yourself in another's shoes. If you are a lending institution, you will report the credit information immediately if someone fails to repay after 24: on the repayment date. Or will you contact this person immediately to collect the arrears?

I believe most people will choose the latter, because credit reporting is not an end, not a final result, but only a warning means. If the arrears can be recovered immediately through reminding and collection at the first time, there is actually no need to report the credit reporting, unless the user maliciously overdue, repeatedly overdue, and deliberately defaulted, this attitude will be another story.

2. It won't be timely for the overdue credit information to be displayed.

Assuming that the user has just overdue, JD.COM intends to report it to the central bank's credit information system. This process also takes time. On the one hand, JD.COM needs to check itself to see if the overdue is true, and is there any objective reason why the money returned by the user has not arrived in time? On the other hand, the central bank's credit information center also needs to sort out the collected data and strictly review it. It generally needs to update the credit information system.

Therefore, once you receive a reminder message or phone call, it is best to repay it immediately, and there may be room for redemption. As for the failure to get credit information, the results displayed by the credit information center can only prevail.

please click to enter a picture description (maximum 18 words).