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JD。 COM IOUs don't have a phone number during the one-year overdue period, and the SMS notification may not reach your correct number.

JD.COM's IOU is overdue. JD.COM will remind you to pay in time first. Generally, after communicating with customer service, you can extend the repayment time for a few days. At this time, you'd better pay off the debt as soon as possible, so there will be no other influence. If it is still overdue, interest will be charged according to the agreed overdue interest rate, and compound interest will be calculated on a daily basis, and it will also be included in the personal credit record.

If JD.COM's IOUs are not returned within the time limit, you will be blacklisted in the credit investigation and listed as bad credit. The name of the lender will appear in the internal system of the bank, and the credit report will inevitably leave a bad record.