Jingdong Finance has a mobile phone number behind the text message that is overdue for half a year.

There is no mobile phone number behind the text message sent by Jingdong Finance.

Jingdong Finance will send you overdue reminder messages on 1, 3, 5, 7, 10, 15 and 20 days after the overdue date. In addition, you will be reminded by phone on18th day after your overdue IOUs. Please repay in time, so as not to affect your personal credit.

You should make sure whether you owe money. If the repayment is made as far as possible, there will be a penalty interest if it is overdue for two years. If the amount is large, you can negotiate to postpone the repayment. Don't be indifferent. There is no room for negotiation if you go through legal procedures.