What should I do if JD.COM gold bars default?

How to negotiate repayment of JD.COM gold bars when they are overdue?

Call JD.COM 95118 to negotiate repayment.

After the borrower is overdue, you can contact Jingdong Financial Online Customer Service. The steps are: Jingdong Financial APP- mine-my customer service-online consultation, and then transfer to manual customer service to propose the second installment demand negotiation; Or call 95 1 18 customer service directly and say that repayment should be negotiated.

Please pay attention to the following matters when negotiating repayment:

1. Users can call the online customer service phone in JD.COM or Jingdong Finance APP to contact the manual customer service of Jingdong Finance, or they can directly call 95 1 18 to explain their financial situation to each other, and they are unable to repay. It is best for users to provide some auxiliary materials to prove their repayment situation, so as to prove that they are really unable to repay rather than deliberately owe money;

2. Users should actively express their repayment intention, and then propose to customer service to extend the repayment time and repay the arrears in installments. The specific repayment method can be formulated by the user according to his own economic situation and repayment amount. If reasonable, gold bars can be disposed of as appropriate. If the first negotiation is unsuccessful, the user can modify the repayment method and reapply.

What users need to pay attention to is that if gold bars are really unable to negotiate repayment, they can only find ways to raise money for repayment. They can borrow money from relatives and friends and then return the money to them. The above is how JD.COM Gold Bar negotiates repayment.

What should I do if JD.COM gold bars are overdue?

Regular law firms deal with overdue procedures as follows:

For example, JD.COM Gold Bar: There is no grace period for the credit investigation of JD.COM Gold Bar loan, and the repayment record of each loan will be recorded. In order not to affect your personal credit, please repay on time.

JD.COM Gold Bar will send you overdue reminder messages on 1, 3, 5, 7, 10 and 15 days after the overdue date. In addition, you will be reminded by phone on the 10 day after your gold bars are overdue. JD.COM will send letters, text messages and e-mails to better remind users of their arrears and remind them to pay them off in time. At the same time, JD.COM has very strict measures to keep user information confidential. Please rest assured, and please pay off the arrears of gold bars as soon as possible and pay attention to your repayment time in time.

Overdue gold bars in JD.COM will generate liquidated damages: liquidated damages = all outstanding principal * liquidated damages ratio (0.06%~0. 15%)* days of default.

What if JD.COM's gold bars are still unavailable?

1. Contact customer service of JD.COM Gold Bar, negotiate amicably, and strive for a grace period.

2. Borrow money from friends and pay it back to friends when you have money.

3. Borrow money from other lending institutions to repay JD.COM gold bars, and then return the money to the lending institutions. After JD.COM gold bars are overdue, interest shall be charged at 0.075% of the unpaid amount every day. If the overdue amount is 10000 yuan, the daily interest will be 10000×0.075% = 7.5 yuan, and repayment must be made on time.

Extended data:

JD.COM gold bar opening method:

Tool: iPhone7

1. After opening Jingdong Finance, click "Gold Bar" as shown on the page.

2. After opening the gold bar page, click "Open Gold Bar" at the bottom of the page.

3. Then you can enter the real-name authentication page. To scan your ID card, click "Start Scanning".

4. After scanning the ID card as prompted, the information will be filled in automatically. Click "Confirm Submit".

5. At this time, the xxx agreement will pop up, and click "Agree to the agreement and continue".

6. Then you can see that the gold bars have been successfully opened. Click "borrow money" to borrow money.

What should I do if JD.COM gold bars are overdue? I have no repayment ability.

Solve the problem of JD.COM's inability to repay gold bars;

1. Take the initiative to contact the customer service staff of JD.COM Gold Bar to negotiate repayment, and inform them that they are temporarily unable to repay. It is best to provide proof of inability to repay (such as unemployment certificate, poverty certificate, major illness certificate, etc.). ) and show them their willingness to actively raise funds to see if they can negotiate deferred repayment or installment repayment.

Second, if the platform does not agree to the negotiation, then users can only find ways to raise funds by themselves, ask relatives and friends around them for help, and give the borrower an iou when borrowing money, so as to dispel the lender's concerns and increase the success rate of borrowing.

3. If there is something valuable under the user name, it can also be mortgaged or auctioned to repay the arrears of JD.COM gold bars.

In a word, JD.COM gold bars are unable to repay, so we must actively find ways to solve the problem and never escape. Escaping will only make the overdue situation more serious and have a greater impact on users.