I owe five thousand yuan in arrears in JD.COM for about four months. I got a text message saying that I would sue. There is no money to pay back now. Really?

No, but please return it and treat it with caution. If you can use JD.COM IOUs to destroy your friends, you must make credit consumption when you are sure that you have the repayment ability, so as not to find that the loss outweighs the gain. Of course, if you can't repay in the short term, you can also choose to pay by installment.

1, JD.COM owes a debt to default customers, which will make their personal credit records worse, which will be tainted and it will be difficult to get loans in the future.

The influence of overdue repayment due to 2.JD.COM's IOUs. The bad credit record caused by the general loan repayment is not timely is kept for five years, which cannot be eliminated without special reasons; Bad credit records generated by overdue repayment of ordinary credit cards will be kept in the credit information system for two years. In rare cases, if the personal credit record is bad due to the responsibility of the bank, you can communicate with the bank, and the bank will apply to issue relevant instructions to the central bank to correct it.

3. the consequences of 3.JD. It is understood that in order to effectively control the bad debt rate, JD.COM has interacted with the central bank, which can not only check personal credit records, but also call it bad debts if users cheat in JD.COM and maliciously fail to repay their debts when due. Banks and JD.COM will remember you for life. It is impossible to get a loan, apply for a credit card, and enjoy the service of paying in advance.

After the IOUs are overdue, JD.COM will remind users to pay back through letters, short messages, e-mails, telephone reminders, letters, home visits and judicial channels. If necessary, it will also entrust an external agency to remind you.

Consequences of JD.COM's overdue IOUs. COM: default interest is overdue. You can choose to repay the minimum repayment amount before the repayment date, otherwise, the liquidated damages will be calculated on a daily basis after the repayment date. At present, the overdue rate of IOUs in JD.COM is 0.07%/ day, and fines will be charged on a daily basis. Credit is affected. Although JD.COM Baitiao is preparing a credit investigation, there is no clear notice. It can only be said that as long as JD.COM's IOUs are overdue, he can no longer participate in JD.COM IOUs, and it will be difficult to apply for IOUs in the future. Therefore, users who use JD.COM IOUs must establish the awareness of protecting personal credit. Avoid personal credit damage caused by refusal to repay, and thus fall into the bank's uninvited guests, which will hinder credit cards, consumer loans and even mortgage applications in the future. In the future, it is very likely that a company's bad consumption record will affect the consumption of many other banks and businesses.