Will JD. Does the cancellation of IOUs affect credit reporting?

Online shopping is the most convenient way of shopping in today's society. Shopping will produce virtual currency? Will not use or cancel the loan affect the loan credit? If you encounter such a situation, will you fall into the trap of fraud for "credit"?

Case review

In July 2023, Ms. Sun received a phone call calling herself "JD". COM customer service ". The other party said that Ms. Sun created virtual currency when shopping, and not using virtual currency and not canceling it would affect the credit investigation. Although I have never heard of "virtual currency" and checked my own credit information before, under the repeated emphasis of the other party, Ms. Sun finally believed the other party and began to operate as required.

Ms. Sun immediately came to the police station for help. When it was learned that Ms. Sun's transfer had not been long, the police quickly contacted the anti-fraud center of the Municipal Public Security Bureau, trying to stop the payment in time and recover the loss before the other party transferred 102000 yuan at the fastest speed. In the end, because the payment was stopped in time, this 654.38+million yuan has been returned to Ms. Sun's bank card! The case is currently under investigation.

conventional analysis

Recently, the number of false credit fraud cases with IOUs in JD.COM has gradually increased. Liars pretend to be JD.COM customer service to find the victim, accurately report the victim's personal information, and defraud the victim's trust, saying that JD will not be cancelled. COM "white bars" will soon affect the credit investigation and create panic for the victims. The importance of credit investigation is self-evident. Liars directly use the victim's panic psychology, so that the victim has no time to think, and then swindle the victim.

Network police reminder

2. If you have loan experience, as long as you pay off the loan on time, your personal credit will not be affected! Personal credit information cannot be modified artificially. If you have any questions about personal credit information, you can log in to the Credit Information Center of China People's Bank.

3. Pay attention to the protection of personal information. Information such as ID number, verification code, bank card number and password should be kept confidential to prevent information leakage.

4. As long as it involves asking for a verification code or transferring money first, it is fraud. Don't disclose your personal information at will, and don't transfer money to the other party easily.

Related Q&A: Do you have the credit information of JD.COM IOUs?

The credit reporting form of IOUs is personal consumption loans, and the reporting subject is Chongqing Liangjiang New Area Shengji Microfinance Co., Ltd.

After the IOUs are overdue, JD.COM will remind users to pay back through letters, short messages, e-mails, telephone reminders, letters, home visits and judicial channels. If necessary, it will also entrust an external agency to remind you.

A good credit record helps users accumulate high-level personal credit and get better financial services in the future. Users maintain good consumption and repayment habits, which will add points to their future loan needs.

Extended data

“JD。 COM IOUs is a brand-new payment method of "consumption first, payment later" introduced by JD.COM. When you use IOUs to pay on JD.COM website, you can enjoy a deferred payment period of up to 30 days or a maximum of 24 installments. It is the first Internet consumer finance product in the industry.

As the first Internet consumer finance product in the industry, "White Strip" was initially only provided for users to shop in JD.COM Mall. In fact, it relies on JD.COM Mall to provide users with credit purchase services.

In April of 20 15, "Baitiao" opened up O2O(JD.COM to Home), global purchase and product crowdfunding within the JD.COM system, and then gradually covered the fields of renting, tourism, decoration and education. , extending from credit purchase service to providing credit loans, covering more consumption scenarios and providing services for more consumers.