My 5000 yuan IOU in JD.COM is overdue for four months. Received a text message saying that he would be sued. There is no money to pay back now. Really?

Yes, after the overdue IOUs, JD.COM will remind users to pay back through letters, short messages, emails, telephone reminders, letters, home visits, judicial channels, etc. If necessary, it will also entrust an external agency to remind you.

Consequences of JD.COM's overdue IOUs. COM:

1, for overdue penalty, you can choose to repay the minimum repayment amount before the repayment date, otherwise, after the repayment date, the liquidated damages will be calculated on a daily basis. At present, the overdue rate of IOUs in JD.COM is 0.07%/ day, and fines will be charged on a daily basis.

2. Credit is affected. Although JD.COM Baitiao is preparing to apply for credit reporting, there is no clear notice yet. It can only be said that as long as JD.COM's IOUs are overdue, he can no longer participate in JD.COM IOUs, and it will be difficult to apply for IOUs in the future.

Therefore, users who use JD.COM IOUs must establish the awareness of protecting personal credit. Avoid personal credit damage caused by refusal to repay, and thus fall into the bank's uninvited guests, which will hinder credit cards, consumer loans and even mortgage applications in the future.

In the future, it is very likely that a company's bad consumption record will affect the consumption of many other banks and businesses.

Extended data:

Peer-to-peer lending's legal knowledge and precautions;

1. Choose well-known banks and financial institutions. Well-known banks are guaranteed and have high credibility.

2. Don't be confused by "not interested". There is no free lunch in the world, and the same unpaid loan is risky.

3. Look at the terms of the contract. Before signing the contract, you should read all the terms clearly, and don't blindly agree or acquiesce.

Jingdong financial assistance center-how to deal with overdue debts?