Excuse me, is it true that JD.COM came home with white stripes? It's two months overdue.

You can come to the door. JD.COM IOUs are overdue, and the other party will truthfully report your credit report. In fact, you can refer to the personal credit report. In order to better remind users of the arrears and timely repayment, JD.COM will collect the payables from users by letter, SMS, email, telephone, door-to-door or judicial channels. The overdue time is not long, and the dunning phone will generally not come to the door, and the dunning party will come to the door if it can't find anyone.

JD.COM IOU overdue repayment will have the following results:

1. After the IOUs are overdue, the system may automatically lock your IOUs account, and you can no longer use IOUs for consumption after locking;

2. Overdue IOUs will have a negative impact on your credit;

3. If the minimum repayment amount is not paid off before the repayment date, the system will charge liquidated damages on a daily basis in addition to the daily service fee. In addition, after the overdue IOUs, JD.COM will remind the repayment through letters, short messages, e-mails, telephone reminders, letter delivery, home visits and judicial channels. If necessary, it will also entrust an external agency to remind you.

JD。 The overdue IOUs of COM will also affect the online black index score of users, if the online black index score is too low. The low score of the Internet Black Index will not only affect the success rate of online lending, but also affect the user's flower beds and loan amount, and even lead to the closure of flower beds and loans.

Small partners who don't know their credit information only need to pass: two white data. You can check your personal credit score and find this WeChat applet. The data comes from online lending platforms and UnionPay all over the country. Users can query their own big data and credit status, obtain various index data, and query their own personal credit status, blacklist, online loan application record, application platform type, online loan credit limit estimation and other important data information.