JD.COM overdue IOUs 1 month. Is the door-to-door collection mentioned in the text message true? The license plate number has been sent.

It's true. JD.COM will urge you to repay the loan or demand payment on the spot, and send you a lawyer's letter advising you to repay the loan. After all, this is a credit issue.

JD.COM White Bar helps you when you need it most. As an honest user, we should fulfill the agreement and repay the loan on time.

1. If JD is in arrears. JD.COM will collect the payables by letter, SMS, email, telephone, home visit or judicial channels to safeguard the legitimate rights and interests of JD.COM.

Please pay attention to the repayment time of IOUs and repay them on time to avoid the impact on your credit or life due to overdue;

2.JD.COM IOU is a credit product. If the repayment date exceeds the last repayment date and there is no repayment on the minimum repayment date, it is overdue. After the deadline, in order to better remind users of arrears and timely repayment, JD.COM will collect accounts payable from users by letter, SMS, mail, telephone, door-to-door or judicial channels. After receiving the dunning notice, please pay off the outstanding debt as soon as possible, pay attention to your repayment time and repay in time.

3. If it is not maliciously overdue, it will generally not affect the credit investigation. If you don't pay back a penny for three consecutive months (90 days), it is basically considered as malicious overdue; If it is overdue for more than six times, the loan application will also be very troublesome. Of course, the auditing standards of different credit institutions will be slightly different.

4. After the expiration of the IOUs, you will not be able to participate in IOUs. At the same time, you will reserve the right to provide your default information to relevant government departments, industry supervision and management institutions or other legally established credit management institutions. I suggest that you keep good consumption habits, pay back on time, accumulate good credit and enjoy better financial services. The calculation formula of overdue fee for IOUs in bill system is: total liquidated damages = total unpaid amount payable × default rate × default days; In the order system, the calculation formula of overdue fee for white tickets is: total liquidated damages = total unpaid amount (all unpaid principal+all unpaid periods) * liquidated damages ratio * days of default.

5. The white strip series products based on users' needs will be continuously innovated. Through credit value-added services, multiple consumption scenarios are embedded to make the user's consumption experience more convenient and smooth, and let the future come now.

Operating environment: apple12 IOs14 JD.COM12.6.0.