JD.COM sent the notification letter one month late. Can we negotiate?

JD。 COM gold bar has sent a notification letter after the deadline, and users can choose to negotiate repayment with gold bars. As long as users are willing to repay, gold bars generally do not sue users. At the same time, sending a circular letter is only a means of collection. As long as users are willing to repay and pay off their debts in a planned way, the adverse effects of overdue can be minimized.

Of course, after the gold bars are overdue, there will be overdue records for credit information. After the overdue debts are paid off, the overdue records will be automatically deleted after 5 years.

JD.COM gold bars:

JD.COM Gold Bar is a product of Jingdong Finance, and JD.COM Gold Bar mainly provides loan services for users. After opening, users can get a certain loan amount, and the maximum loan amount can reach 200,000 yuan. For ordinary users, it is easy to get a loan amount ranging from 1 0,000 yuan to 50,000 yuan after meeting the conditions.

When borrowing money from JD.COM Gold Bar, you can choose to repay it in installments according to your own needs. When the principal is repaid in equal amount, the interest is calculated on a daily basis, and it can be repaid while borrowing, which is suitable for users of short-term loans; You can also choose the average capital to repay the loan and calculate the interest on a monthly basis. The interest rate is relatively low, suitable for friends with long loan term, and the longest loan term can reach 12 months.

JD.COM gold bars have expired;

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.

Gold bars belong to the credit consumption loan business, and there will be a lot of reference information, such as the historical use of financial products such as gold bars and white bars (including those outside JD.COM). COM)。

It is necessary to maintain good borrowing and consumption habits and avoid borrowing beyond repayment ability, overdue or other illegal use. The review time is generally 1 working day.

Article 207 of the Contract Law stipulates that "if the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations".

Penalty interest will be charged if it is overdue. From the overdue date, default interest will be charged at the agreed interest rate 150% every day until the payment is overdue. Your overdue record will be collected by the People's Bank of China, which will affect your credit record. Please cherish your credit and repay on time.

If loans overdue exceeds a certain period, the relevant records of overdue users will be transmitted to the personal credit information system of the central bank. In addition to uploading overdue information to the central bank's personal credit information system, Lending will continue to cooperate with third-party credit information agencies such as Qianhai Credit Information, Shanghai Credit Information and Pengyuanzheng Credit Information.

For loans that are overdue or not used according to the purpose agreed in the contract, interest will be charged at the default interest rate from the date when they are used in loans overdue or not according to the purpose agreed in the contract until the loan principal and interest are fully paid off. For the interest that cannot be paid on time, compound interest shall be calculated at the penalty interest rate.