How long will it take for the platform to collect overdue gold bars?

How long will it take for JD gold bars to be overdue for collection?

There is no grace period for credit reporting of JD gold bar loans. Your repayment record for each loan will be recorded. In order not to It affects your personal credit, please repay on time. JD.com will send you overdue reminder text messages on the 1st, 3rd, 5th, 7th, 10th and 15th day after the gold bar expires. In addition, on the 10th day after your gold bar expires, a phone call will be sent to remind you that it is overdue. For better reminders If the user owes money, the user will be reminded to pay it off in time. Jingdong will collect the amount due from the user through letters, text messages, emails, phone calls, door-to-door visits or judicial channels. At the same time, JD.com has very strict confidentiality measures for user information. Please rest assured and please pay off your gold bar debt as soon as possible and pay attention to your repayment time in the future. Overdue JD gold bars will incur liquidated damages: liquidated damages = all unpaid principal * liquidated damages ratio (0.06~0.15) * number of default days Example (assuming the liquidated damages ratio is 0.06): Borrowing gold bars on November 30, 2017, 3,000 yuan , the loan period is 3 months, and the daily interest rate is 0.04 as an example. The repayment dates are December 30, 2017, January 30, 2018, and February 28, 2018. If the user fails to repay on December 30, as of January 4, 2018, there have been 35 days of borrowing and 5 days of default in this period. 30 days of interest and 5 days of penalty interest will be charged. Liquidated damages payable in the current period = 3000*5*0.06=9.00 yuan For questions about the JD Financial Customer Service Center, you can use the following services: Self-service Q&A

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This link is from the question The respondent recommended that if gold bars are overdue for 16 days, will a reminder letter be issued?

After JD gold bars are overdue, the collection staff will send a notification letter based on the actual situation, which means there is no specific time limit. For example, if the amount owed is relatively small, a notification letter may be sent for payment after one month of overdue payment. If the amount of debt owed is large, or the number of overdue payments is high, the collection staff may issue a notice letter to warn the borrower within a week. Will JD.com collect gold bars one day after the expiration date?

Jingdong’s gold bars were 30 days overdue. Someone called and said they would come to collect the gold bars, but they really came to collect the gold bars.

If the gold bar is overdue for one day, it will be deemed as a breach of contract, which will result in penalty interest, credit citation, freezing, etc. After the gold bar is overdue, JD.com will remind you through site messages, mobile phone text messages, emails, phone calls, sending letters, door-to-door visits, etc. Collection through judicial channels and other means. As long as you open JD Finance, you will have the opportunity to obtain a quota after completing identity authentication.

Then the credit limit is likely to be frozen after the expiration date, and will only be restored after repayment. Judging from user feedback, gold bars that are overdue for one day will not be frozen immediately, and there is still an opportunity to lend them out.

Extended information:

The overdue introduction of Jingdong gold bars is as follows:

Jingdong gold bars 99 will have a credit report. The biggest consequence of being overdue for one day is the credit record. There are many People said that gold bars that were one day overdue have been reported to the credit report, but only a few users said that they have not been registered. To be cautious, it is recommended that everyone repay on time, no later than 24:00 on the repayment date, and it is best to repay 2 hours in advance. payment.

For this kind of credit product, you must repay it on time, otherwise it is likely to incur liquidated damages and affect your credit report. Depends on the user's personal qualifications and usage. If the borrower has average qualifications and is not an active user of JD.com. How long will it take for JD gold bars to be overdue before they will call their families

Everyday, many people will use JD gold bars to borrow money for emergencies, but many people cannot return them on time after using them. How long will it take for JD gold bars to be overdue for them to call their families? Where's the phone? Usually, JD gold bars will have a lot of negative consequences after they expire. Among them, customer service may say to call family members, but they usually won’t actually call, and the country does not allow violent collection.

It is worth noting that if a user borrows gold bars from JD and fails to repay the loan and the platform cannot contact the borrower, the platform may call family members to urge them to repay the loan quickly. It is usually best to negotiate with the platform to formulate a new repayment plan when an individual cannot repay on time.

When users use JD gold bars to borrow money and cannot repay it on time, they can borrow money from friends around them and return it to them later. However, when individuals have difficulties in repaying the money, they must find ways to increase their personal income to avoid further continuation. If it is overdue, the impact will be greater.

Penalty interest will accrue when JD gold bars are overdue. The longer the period, the more the penalty interest will be, and overdue records will also be uploaded to the credit reporting center, causing personal credit reporting to become bad and affecting subsequent loans. For example, if you apply for a car loan or a mortgage, and after the debt is repaid, it will continue to be saved on the credit report for 5 years, and it will automatically disappear after 5 years.

In order to ensure that JD gold bars are returned on time after borrowing money, borrowers must consider their repayment ability when applying for a loan, and at the same time choose the number of repayment periods and repayment method that suits them. Usually, you can borrow money with confidence when your personal income is relatively high. If your personal income is not very high, you should be cautious when borrowing.

Finally, when users borrow money from JD.com, different users get different credit lines, and different users get different interest rates when borrowing money. It is worth noting that there are many online loans. When borrowing, users can compare different platforms and choose the one with a low borrowing interest rate. This way, they can pay less interest after borrowing, which is beneficial to the subsequent repayment of the loan.