JD.COM IOU overdue 100 days! Will you call when you say you want to call for the bill?

Under normal circumstances, it will not come to the door, but JD.COM IOUs are credit products. If the minimum repayment date is not reached after the last repayment date, it is overdue. After the deadline, in order to better remind users of the arrears and timely repayment, JD.COM will collect the payables from users by letter, SMS, email, telephone, door-to-door or judicial channels. Please pay off the arrears as soon as possible after receiving the reminder, and pay attention to your repayment time in time.

Generally speaking, if it is not maliciously overdue, it will generally not affect the credit investigation. If you don't pay back a penny for three consecutive months (90 days), it is basically considered as malicious overdue; If there are more than six overdue payments, the loan application will be very troublesome. Of course, the auditing standards of different credit institutions will be slightly different.

It is suggested that users should pay attention to the habit of timely repayment and not overdue when using JD.COM IOUs, otherwise they will be locked and reported to the credit reporting agency. If JD.COM's IOU is overdue, a penalty will be charged. If they fail to pay the due amount in full before the due repayment date, it will be regarded as a breach of contract.

The penalty is 0.05% per day. If JD.COM's IOUs are maliciously overdue, they will also be reported to the central bank for credit investigation. In addition to protecting personal information, borrowers can also learn about their online loan usage through: white data and find this WeChat applet. The report includes comprehensive scores, application records and other details, as well as the big data status of personal online loans. If big data is confusing, it should be corrected in time to avoid a major impact on personal credit information.