Jingdong Finance said that it would come to investigate the economic situation after the deadline. Is it true?

JD。 If the gold bars are overdue, they will be collected at home.

If the gold bars are overdue, the bank will truthfully report the overdue situation of the gold bars to the Credit Bureau. In order to better remind users of the arrears, JD.COM will collect the payable money from users through letters, short messages, emails, telephone calls, door-to-door visits or judicial channels.

JD.COM Gold Bar is a product of Jingdong Finance, which was listed in March 2065438+2006. It is mainly a cash loan service customized for users with good credit, which can support a maximum withdrawal amount of 200,000.

JD.COM gold bars have the characteristics of online loan, unsecured, real-time batch, and quick arrival. The extension of scene use can also meet the cash needs of users in various scenarios.

basic content

JD.COM gold bars do not need mortgage, just bind stored-value cards and credit cards, and easily borrow money; Online loan, all processes can be received after online completion; Real-time approval and quick receipt. Generally, the loan application will be received within 5- 15 minutes after submission. Please refer to the bank card receipt of the receiving bank. Moreover, JD.COM gold bars can be returned as you borrow them, in advance, or in different periods such as 1, 3, 6, 12. Interest is calculated on a daily basis, and the loan interest rate range is generally the lowest daily interest rate of 0.025%, and the highest annualized interest rate does not exceed 36%.

Credit investigation is an activity of collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation and other services to help customers judge and control credit risks and conduct credit management.

Credit investigation is a professional and independent third-party organization that establishes credit files for individuals or enterprises and provides a platform for professional credit investigation organizations to share credit information.

Bad information refers to information that has a negative impact on the credit status of the information subject, such as information that the information subject has not fulfilled its obligations in accordance with the contract in activities such as borrowing money, buying on credit, guaranteeing, leasing, insurance and using credit cards, information that the information subject has been subjected to administrative punishment, information that the people's court has judged or ruled that the information subject has fulfilled its obligations, and information that has been enforced.

What do some nouns of "overdue" information recorded in the credit report mean?

It's actually quite simple. For example, the current overdue period number/amount refers to the current continuous overdue period number and amount; Overdue month refers to the month when the loan or credit card is overdue; The number of overdue months/amount refers to the number of months that an overdue behavior has lasted until now and the amount that should not be returned.

The retention period of bad information is 5 years from the date of termination of bad behavior or event. For example, if 10' s mortgage is forgotten to be overdue, the overdue record will be automatically eliminated after 5 years from the date when 10' s mortgage debt is paid off.

If you think that there are errors or omissions in the information collected, saved and provided by the credit reporting agencies, you have the right to raise objections to the credit reporting agencies or information providers and ask for corrections. After receiving the objection, the credit reporting agency or information provider shall mark the relevant information in accordance with the regulations, check and handle it within 20 days from the date of receiving the objection, and reply the result in writing.