195 3506 1858 called and said that my JD.COM IOU was overdue, but there was no record of overdue credit investigation.

Fraudulent phone calls or text messages.

Credit information on the white note in JD.COM. COM:

At present, JD.COM's IOUs cannot be used for credit investigation, but on March15 this year, an article named "Credit Investigation Report" was pushed by the official account of Jingdong Finance WeChat. Have you checked? It is mentioned in the article that at present, the business of Jingdong Financial Gold Bar, White Bar and Jingnong Loan has started the credit access work. This news has also caused panic among some users, and what's more, they intend to cancel their accounts. Therefore, at present, JD.COM Baitiao is starting the related work of credit access, which will be truthfully reported according to the relevant requirements of the People's Bank of China after formal access. However, it should be noted that some netizens mentioned before that the personal credit information on JD.COM IOUs will be reported one by one. The news actually proved to be false. After the IOUs in JD.COM, the credit information is reported every month, but not every IOUs has consumption details. At present, all major companies have reported their credit information. For example, Alibaba's ant flower shop, Tencent's micro-loan and Suning's wayward village all reported all credit information truthfully according to law, and JD.COM is no exception. Countermeasures of JD.COM IOUs Credit Report. COM: Actually, after the credit report comes out, you just need to use it normally and repay it on time. As long as the repayment is made on time, reporting the credit report has no effect. If you have overdue IOUs, you should pay back the arrears and interest first if the overdue amount is not too large and the time is not too long, and then you can try to call the customer service to explain the overdue reasons and ask them not to report the credit information to the bank. However, if you are overdue for a long time, it has affected your credit record. At this time, what you need to do is to pay off the arrears and interest first, then continue to use the IOUs normally, and cover up the previous bad records through subsequent normal use and timely repayment. Generally after two years, the previous bad records will not be checked again. Specifically, JD Finance will not report the consumption details of each white note. The credit report will only show the credit records of the white note business. Jingdong Finance will update this credit record once a month according to the repayment of the user's white bill.