Jingdong Finance sent a text message saying that it would sue.

Will not be prosecuted. The reason for this is the following：

1. You have paid off the overdue money, which shows that you are sincere in fulfilling your repayment obligations.

2. You promise to repay on time every month in the future, which shows that you have the ability and willingness to repay debts.

3. Borrowers usually give priority to collection channels rather than legal proceedings, because legal procedures are time-consuming, laborious and costly.

If you continue to fulfill your repayment obligations on time, the borrower will be more motivated to maintain a good cooperative relationship with you.

Extended data:

The specific circumstances of each case may be slightly different, but generally speaking, if you have returned the overdue money and can restore the ability to repay it on time, the risk of being sued is low. However, it is recommended that you keep the relevant repayment vouchers in case of possible disputes in the future. In addition, it is also important to communicate with the borrower in time to confirm the repayment.