Is it true that JD.COM borrowed money to send a reminder?

It's true. IOUs are credit products. If they fail to repay after the repayment date, they will be regarded as overdue. After the deadline, in order to remind users to repay the loan in time, JD.COM will collect the payable money from users by letter, SMS, email, telephone, door-to-door or judicial channels, and ask users to pay off the loan as soon as possible after receiving the collection notice.