What if JD.COM's IOUs are overdue for two days?

JD。 Users who are overdue for 2 days should pay off their debts as soon as possible to reduce the negative impact of overdue and restore their personal credit information as soon as possible.

In JD.COM, there is no grace period for repayment of IOUs. If the loan is overdue for two days, the overdue record will be uploaded to the credit information system of the People's Bank of China, which will have a negative impact on personal credit. In order to avoid affecting users' personal credit, users are advised to repay on time and maintain good consumption habits. At the same time, during the overdue period, the IOUs will be collected by SMS, email and telephone.

The adverse effects of credit reports on people

1, loan/credit card

Loan/credit card are the two most important and basic businesses in financial business. Many people think that personal credit reports are tainted. Anyway, there is no penalty, which has no effect on individuals. In fact, it has a great impact!

2. Travel is blocked

If property buyers are blacklisted, vehicle travel will also be restricted, and access to highway toll stations will be temporarily suspended. Can't buy a plane ticket; Trains can't buy soft sleepers, and ships can't buy second-class cabins; Can't take the first-class seat of high-speed rail and bullet train; Can't buy a private car instead of walking, water, land and air, and high-speed travel are all impassable.

3. Entry of large companies

With the increasing status of credit reporting in the lives of ordinary people, some banks, financial institutions and large enterprises have begun to inquire about credit reporting. Once you find yourself overdue for a long time, many bills have not been paid back, which is likely to be brushed off during the interview. After all, this can reflect the integrity data. How can a person who doesn't even have basic integrity have a great sense of responsibility?