202 1 How many days are overdue for overdue collection of the IOUs?

1. After the overdue IOUs 1, 3, 5, 7, 10, 15, 20 days later, overdue reminder messages will be sent to you. If the loan applicant fails to repay the loan on time, JD.COM Management Committee will contact and fill in the complete emergency contact number on 18, and call the emergency contact person for collection. If the repayment is overdue for 20 days, JD.COM officials will dial the telephone number in the borrower's address book.

2. In addition, please repay in time to avoid affecting personal credit. In an overdue message, JD.COM officials will personally contact the loan applicant, and when I get a call, I will repay the loan on time. Among them, 3 days overdue is generally a voice reminder, not a manual call. If you are afraid of being harassed and unable to work with peace of mind, you can choose to pick up the collection phone.

The consequences of overdue JD.COM IOUs are as follows:

First, JD.COM IOUs charge a very high overdue fee. Therefore, those who have the ability to repay on time should never be overdue.

Second, JD.COM's debt collection is generally divided into three stages: the first stage, just a few days overdue, the platform customer service MM will quietly remind you that it is overdue, please repay it on time; In the second stage, if it is overdue for a long time, the platform customer service will seriously warn that the threat of overdue will face serious consequences; In the third stage, it was overdue for a long time, and the platform stopped trying to convince the other party and began to take practical actions.

Three. JD.COM Baitiao has established a blacklist system, and blacklist platforms have begun to exchange information. Borrowing on one platform is overdue, and it is very difficult to borrow on other platforms.

4. The credit information of China People's Bank is tainted. If the IOU is overdue in JD.COM, it will be recorded in the credit information system of the People's Bank of China like overdue bank loans and credit cards, resulting in credit stain. If the previous consequence is only losing face, then the stain of credit information will affect real life, and there is no way to borrow money if you want to buy a house, no way to mortgage if you want to buy a car, and so on.

5. After the loan is overdue for a long time or deliberately not repaid, after the amount exceeds 2,000, it can already constitute a fraud crime and is in danger of being sued by the online lending platform. Once the court decides that the online lending platform wins the case, the borrower not only has to pay the money that needs to be repaid, but also pays the litigation costs and huge fines of both parties, and even faces jail time.