JD.COM's IOUs are overdue for half a year. I received a short message yesterday. Will it really be traced online?

Yes, JD.COM's overdue IOUs will be tracked online after six months.

Details are as follows:

First of all, JD.COM IOU is an online credit product, and users can borrow and spend money on shopping platforms in JD.COM. If the user fails to repay the loan on time, the overdue situation will be recorded in JD.COM. COM system.

Secondly, as a large-scale e-commerce platform, JD.COM has a sound data management and risk control system. Therefore, when the IOU user is overdue for half a year, JD.COM will track the overdue user online. By sharing data with other cooperative organizations, JD.COM can obtain users' personal information, consumption records and other relevant data.

Finally, the purpose of tracing overdue users online in JD.COM is to protect their legitimate rights and control risks. JD.COM can track overdue users' online behaviors, evaluate users' credit status, and take corresponding measures to collect debts, such as collection and legal proceedings.

To sum up, JD.COM's overdue IOUs will be traced online after half a year. Users should fulfill their repayment obligations in time to avoid bad credit records and possible legal consequences.

Extended data:

JD.COM Baitiao is a credit service launched by JD Finance, which provides online shopping installment payment function. Users can conveniently shop on the JD.COM platform through JD.COM Baitiao, and choose to pay by installment. The user's loan term and expenses are selected and borne by the user himself, and the user also needs to repay the loan on time. If the user fails to repay the loan within the time limit, it will face the consequences of collection and credit record damage. JD.COM IOUs are launched to ensure the normal operation and risk control of the platform.

Note: The above information is for reference only. Please refer to the official announcement of JD.COM and relevant policies for details.