Is it true that JD.COM gold bars are overdue for 20 days and will come to the door?

Will JD.COM gold bars really come to the door for collection when they are overdue

JD.COM Gold Bar is a loan product of JD Finance. The average user fails to return it within the time limit and will not come to the door for dunning. They mainly send text messages or call to urge users to repay as soon as possible. Of course, if you can't contact the user himself, you can call his emergency contact.

Also, if the arrears are too long and the amount of arrears is high, and Jingdong Finance fails to respond to repeated reminders, it is likely to sue customers (generally, it has the right to sue if it is overdue for more than three months, but it will not be easily prosecuted).

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How to solve the overdue gold bars in JD.COM through negotiation?

JD.COM gold bars have expired. Customers can contact the platform customer service for consultation, explain their difficulties and see if there are any good solutions. However, the platform generally does not allow customers to apply for negotiation, and customers should be prepared to solve overdue debts.

After JD.COM gold bars are overdue, the platform will take the following measures for customers:

1, credit will be hurt.

2. It will be collected by the platform.

3. There will be penalty interest.

4. The quantity of gold bars will be frozen or reduced.

5. The platform will require customers to settle their debts in advance.

6. Not conducive to other credit activities in the future.

7. Malicious overdue will be prosecuted.

8. Affect the use of other products above JD Finance.

9. The evaluation branch is lowered.

Therefore, customers need to make records of loan and repayment after use. Before applying for the gold bar quota, customers should consider their own income and borrow reasonably within their personal economic conditions. Don't blindly apply for loans, and don't bring too much debt pressure in the future.

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

JD.COM gold bars will be taken home if they expire.

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.

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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?

Jingdong finance-help center

My JD.COM gold bars are 30 days overdue. Someone called me and said that I would come tomorrow. Will it really come?

JD.COM gold bars are overdue for 30 days, and someone really called to collect them.

Gold bars are overdue for one day, even if they breach the contract, there will be penalty interest, credit investigation, freezing and so on. After the gold bars are overdue, JD.COM will collect them through letters, short messages, emails, telephone reminders, letters, on-site visits and judicial channels. As long as Jingdong Finance is opened, you will have the opportunity to obtain the quota after completing the identity authentication.

Then it is likely that the limit will be frozen after the deadline, and only when it is paid off will there be a chance to recover it. From the feedback of users, gold bars will not be frozen immediately if they are overdue for one day, and there is still a chance to lend them.

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JD.COM gold bars are overdue as follows:

99% of JD.COM gold bars will receive credit information at the meeting, and the biggest consequence of one day overdue is the credit information record. Many people say that gold bars have received credit information one day overdue, and only a few users say no. For the sake of prudence, I suggest that you must repay on time, not later than 24: 00 on the repayment date, and it is best to repay two hours in advance.

This kind of credit product must be repaid on time, otherwise it is likely to produce liquidated damages, which will affect the credit investigation. According to the user's personal qualifications and usage. If the borrower is not an active user in JD.COM, his qualification is average.

What happens if JD.COM gold bars expire one day?

Baidu Encyclopedia-JD.COM Gold Bar

Is it true that JD.COM sent a message half a month late saying that the shopping mall logistics visit?

JD.COM sent a message half a month ago that the shopping mall logistics visit was true. Relevant information shows that JD.COM gold bars are overdue for 20 days, and the collection staff indicated that they would collect them. If the overdue amount is large, there is a certain degree of credibility. If the overdue amount is small, the possibility of coming to the door is very low.