What should I do if Jingdong gold bars are overdue and a notification letter is issued?

If the user becomes overdue when using the personal credit loan-JD Gold Bar, the user will be collected by various means, including receiving a notification letter to remind the user of the amount owed. And told him that he would sue. So, what should I do if Jingdong gold bars are overdue and a notification letter is issued? You can try these measures!

1. Confirm the authenticity of the notification letter. That is to say, it depends on whether the information on the notice letter is yours or not. If it is your name and ID number, and the amount of debt is consistent with the amount of money you owe, the notice letter is genuine. However, if the information on the notification letter does not match your own, it means that someone else's notification letter was sent to you, which can be regarded as a fake notification letter. Regardless of whether the notice letter is true or false, it has no legal effect. It is just a collection method to inform some measures that may be taken against the borrower, such as adjusting or canceling the credit limit of Jingdong gold bars, appointing a special person to the household registration site, and even informing the people. Civil lawsuits were filed in court, causing borrowers to panic and repay quickly.

2. Handle overdue debts as soon as possible. After receiving the notification letter, the borrower still fails to repay, and may receive a court summons later. Especially if the borrower fails to repay for more than 3 months, there is a high probability that the borrower will be sued by JD Gold Bar. By then, the borrower will not be able to pay off the debt. Once you are forced to pay, your credit report will become even worse. Therefore, it is recommended that borrowers try to avoid being sued and pay off their debts as soon as possible. Of course, if the penalty interest and other fees caused by being overdue for too long are too high, the borrower can proactively contact JD Finance to negotiate repayment and request a reduction or exemption of part of the interest, or can apply for re-instalment, or both interest exemption and re-instalment will work.

After receiving the application, the JD Gold Bar Platform will consider it based on the user’s historical loan and repayment records, reasons for application, etc. If approved, it will re-sign a loan contract with the user and agree on a new repayment amount, repayment amount, etc. At this time, the user can repay according to the contract. If the Jingdong gold bar platform does not agree with the user's request, the user must also raise money to repay as soon as possible. You can ask your parents to help repay, sell idle items to repay, etc. If you pay off early, you can save one day of overdue fees and pay it off. Afterwards, the credit report can be restored as soon as possible.