Will the record of JD.COM's IOUs be recorded in the meeting minutes?

As long as the user uses the IOUs, the IOUs' loan records will be credited, and even if the IOUs are staged, the records agree to be credited to the meeting.

For users, the credit information on IOUs loan records will not affect personal credit, only IOUs overdue records will affect personal credit. Users need to repay on time after using IOUs to maintain personal credit.

Of course, the loan records of IOUs will become a part of personal credit information, and these records have certain reference value for subsequent handling of other credit businesses.

Don't take the problem of overdue online loans lightly, because in addition to collection, personal credit will also be affected. In particular, online loans with credit information, once they have overdue records, will have a serious impact on future bank loans or credit cards. Even if the online loan cannot be credited, the data can still be recorded. You can check your online loan history, overdue details, liabilities, untrustworthy information and online loan blacklist in Puxin.

Extended data:

Why can't I buy a mobile phone?

If you can't buy a mobile phone, it is probably caused by the following reasons.

1. The merchant does not support IOUs payment.

Attention, store 1 supported by JD.COM Baitiao, JD. COM's self-operated website (not supported by JD.COM pharmacies for the time being) and some third-party merchants' physical goods, some virtual goods, the balance of pre-sale goods, global purchase and JD.COM crowdfunding.

2. The available amount in the account is insufficient.

If the available amount in JD.COM IOUs account is lower than the amount of mobile phone products, it is naturally impossible to pay successfully.

3. The consumption amount exceeds the limit.

The purchase amount of mobile phone products is too large, which has exceeded the limit set by the system, so the transaction is limited.

4. It is risky to systematically monitor the transaction.

Every transaction of IOU will be monitored by the system. If certain risks are detected in the current trading environment (for example, businesses suspected of not operating by themselves, stealing or consuming goods are on the risk list, and the system considers them irregular), most transactions will be restricted in order to avoid risks.

5. White accounts are controlled by the wind.

Because of illegal cashing operation, or frequent modification of account information (such as changing bank cards and changing delivery addresses, etc.). ), frequently changing the login accounts of different devices, or the authentication identity information expired, the account risk increased greatly, which triggered the system risk control.

6. The overdue repayment amount is frozen.

7. Maintain and upgrade the system.

When the IOU is paid, the system is being maintained and upgraded, and the account will generally be locked by the system and the service will be temporarily stopped.

8. More people make the system busy.

Because too many people use white bars and the system is busy, only high-quality customers give priority to using white bars, and customers with average qualifications can only succeed if they try again during peak hours.

9. Too many frequent loans.

Recently, users frequently applied for a large number of credit products in a number of financial institutions, which led to the "flowering" of credit information. And many of them have not been paid off, and the personal debt ratio has also risen quite high. The system is worried about users' unstable economic life and insufficient repayment ability, so it restricts the large consumption of IOUs.