I forgot to return the IOU in JD.COM, and JD.COM didn't call or send me a message. It was four days overdue, so I didn't report it at the meeting.

Can the overdue record of JD.COM IOUs be eliminated?

Before answering this question, you should know the reason why you are overdue. Generally speaking, it depends on the severity of overdue. For example, if you are overdue for a short time, as long as you don't always do this and repay in time, you won't think that you are maliciously overdue and can't receive credit information temporarily. However, if it is maliciously overdue, that is, a large amount of money is owed for a long time, and it is urged not to pay it back or cannot be found, it may be prosecuted and leave a bad record in the credit report.

Because JD.COM IOUs stipulate that overdue loans cannot be paid in installments. If they are to be paid in installments, they must be paid in installments and cannot be modified. Moreover, it is very strict to charge interest at three ten thousandths of the outstanding amount every day. So what if it's overdue by accident?

What should I do if JD.COM's IOUs are overdue?

1. If the overdue period is less than five days, immediately pay back the arrears and interest, and immediately call the customer service to explain the reasons for the overdue period, so that you can get a grace period of several days, so that the customer service of Baitiao will not report the credit information to the bank, and the personal credit record will not be affected. This method is generally no problem when the overdue amount is not very large and the time is not very long.

2. If it has been overdue for a long time, and it has affected the credit history, at this time, you should pay off all the arrears and interest at the first time, and then keep a normal JD.COM account and a good credit history. Because the credit information system is rolling, the good credit record behind you will automatically cover your previous overdue records. Generally, rolling for two years will cover the previous bad credit records. Of course, there is no way out.

Actually, overdue is not important. If it is maliciously overdue, it will have very serious consequences for personal credit, such as bad debts, then credit information will become a big stain, and banks and other banks can not apply for loans or handle credit cards and other corresponding businesses. Therefore, maintaining personal credit is a very important thing.