JD.COM's IOU will call a few days after it is overdue.

If the loan is overdue by one day, the lender will generally only receive a collection message, but will not receive a collection call.

If the overdue time is more than 3 days, you may receive a collection call.

The collection of short messages and telephone calls are both conventional collection methods. As long as the user pays off the overdue debt as soon as possible, there will be no further collection. If it is overdue, the collection will continue.

There is no grace period for repayment of IOUs. If one day is overdue, overdue records and overdue interest will be generated. The sooner overdue debts are paid off, the sooner personal credit information will be restored.

The longer the overdue period, the greater the negative impact.

Although overdue records are generated by one day overdue, the negative impact of overdue records can be minimized as long as overdue debts are paid off as soon as possible.

If the debt is overdue by one day, even if a collection call is received, as long as the user tells the other party that the payment will be made as soon as possible, the collection call will not come frequently.

However, if the user refuses to answer the call, there may be suspicion of malicious overdue.

There are many online loan big data systems that can query online loan records. You can check the online loan application record, application platform type, overdue, overdue amount, credit card and online loan credit estimated amount and other important data information in Songguocha.

Extended data:

The loan is not expired. Can you see them on the credit report?

The IOUs are not overdue, and the record of timely repayment of IOUs will be recorded in the credit report. Users can check the credit report and see the record of timely repayment of IOUs.

The record of timely repayment of IOUs will be permanently kept in the credit report, which will become a part of users' personal credit.

As for overdue records, as long as they are paid off, they can be deleted later.

Therefore, as long as users use white bars, they will leave a record of white bars in credit information, and the record of white bars in credit information will not affect personal credit.