Is it true that JD.COM gold bars are overdue by 20,000 yuan?

JD。 If the gold bars are overdue, they will be collected at home.

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.

Extended data

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 Bao 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 this 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 this 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.

Baidu encyclopedia-overdue interest

Jingdong Financial Help Center-Why Audit?

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