JD.COM gold bars are 70 days overdue. The text message told me that I went to my household registration to learn about my personal economic situation. Will I really go?

JD。 Gold bars will come to your door when they are seriously overdue. Once the online loan is overdue, the staff of the platform will urge the borrower to repay the loan on the overdue day. Repayment within 7 days will generally not have much impact, and individuals need to pay the penalty interest, late payment fee and liquidated damages incurred in these 7 days, together with the principal and interest.

After repayment, you can contact the platform customer service to explain the objective reasons for not repaying, which is not malicious overdue. The consequences of non-repayment will be more serious, in addition to high penalty interest and late payment fees, it may also be recorded in personal credit information; In addition to constant collection, my friends, colleagues and leaders of the company, and parents at home will also be contacted by the platform staff, telling them that if they don't borrow money, they will lose face and may lose their jobs.

The impact of online lending big data on individuals is to apply for new loans, which is difficult to re-approve. Although online lending is very convenient now, we must spend rationally, pay attention to repayment on time, and maintain our credit record.

Long-term application for online loans must pay attention to your own online loan big data to prevent it from becoming a blacklist of online loans because of blind application.

Just search: Lan Bing data. Click Query, enter information to query your own 100-line credit data, which come from the national online lending platform and UnionPay. Users can query their own big data and credit status, obtain various index data, and query their own personal credit status, blacklist status, online loan application records, application platform types, online loan credit line estimation and other important data information.

Compared with the central bank's personal credit report, online lending big data has a wider scope and more diverse institutions. It is a part of personal credit records and a useful supplement to the traditional personal credit report.