How many days have JD.COM gold bars expired?

How long will JD.COM gold bars be sued for overdue? What are the consequences?

JD.COM gold bars are generally overdue for more than three months, and Jingdong Finance has the right to sue. However, in real life, it is easy not to prosecute because litigation takes a lot of time and energy. Unless the user is overdue for a long time and the amount of arrears is large, Jingdong Finance has repeatedly failed to respond to the dunning, or even can't contact anyone, and may sue the customer.

Once sued, if the court decides not to repay the loan, then the court is likely to enforce it and even put the customer on the list of untrustworthy people.

How long is the JD.COM gold bar credit overdue? How serious are the consequences?

If JD.COM Gold Bar loans overdue, it will be reported to the central bank for credit investigation within one day at the earliest. Leave a bad record in the personal credit report. The adverse consequences caused by overdue are:

1. Default interest will be charged from the overdue date until all arrears are paid off. Liquidated damages = current payable principal (all outstanding principal) × liquidated damages rate (0.06%-0. 15%)× days of default.

2. Personal credit will be damaged after the system reports the overdue situation to the central bank for credit investigation. The overdue records in the credit report cannot be eliminated immediately after the arrears are paid off, and it usually takes at least five years to be deleted.

3. Jingdong Financial System is likely to implement risk control downgrade, or even freeze the quota, so that users can no longer borrow. Because of the credit problem, it is difficult to successfully apply for credit business in other financial institutions in a short time.

4. Jingdong Finance Association sends text messages and calls for dunning from time to time. If there is no response to repeated dunning, the user is in arrears for a long time, and even the platform can't contact anyone, and the amount of arrears is quite high, JD Finance may also sue the user.

How soon can JD.COM gold bars be paid in one lump sum?

JD.COM gold bars shall be paid off in one lump sum 90 days overdue. JD.COM Gold Bar is a cash lending service tailored for users with good credit. JD.COM Gold Bar is a credit loan product, and users' usage is evaluated through the system. If the user can't apply for JD.COM gold bar loan or has no entrance to JD.COM gold bar, it means that the user information has not passed the system evaluation for the time being, and it is impossible to provide gold bar loan service for the user.

First, if the user's gold bars are often overdue,

It may be a few days overdue, and you will receive a text message asking for full repayment. After receiving the text message, you must repay it in full. If the user is overdue for the first time, if the default exceeds 90 days, he will be required to pay all due and unexpired payables in advance. Therefore, it is best for users to repay on time, so that personal credit can be maintained. Users pay back on time every period, and only the information of timely repayment will be recorded in the credit information, and the application for credit business in the future will not be affected.

2.JD.COM Gold Bar is a product of Jingdong Finance.

2065438+Listed in March 2006, it is a cash loan service tailored for users with good credit, with a maximum withdrawal limit of 200,000 yuan. JD.COM gold bars have the characteristics of online loan, unsecured, real-time batch, and quick arrival. The extension of scene use can also meet the cash needs of users in various scenarios. JD.COM gold bars do not need mortgage, just bind stored-value cards and credit cards, and easily borrow money; Online loan, all processes can be received after online completion; Real-time approval and quick receipt. Generally, the loan application will be received within 5- 15 minutes after submission. Please refer to the bank card receipt of the receiving bank. Moreover, JD.COM gold bars can be returned as you borrow them, in advance, or in different periods such as 1, 3, 6, 12. Interest is calculated by the day.

To sum up, if JD.COM gold bars are overdue, it will affect the credit investigation. Therefore, if you want to use JD.COM gold bars, you must arrange your assets reasonably, and don't be overdue, let alone do things that violate the law and discipline and harm others.