Will JD.COM IOUs remind you to pay back?

JD。 The IOU will remind the repayment. Yes, on the day after the billing date and repayment date, the JD.COM IOUs system will remind users to repay by sending short messages. When your repayment is successful, you will also receive a text message to remind you that you have paid off your debts.

1.JD.COM Will the loan remind you to repay?

JD.COM's IOU will remind you to pay back.

Yes, on the day after the billing date and repayment date, the JD.COM IOUs system will remind users to repay by sending short messages. When your repayment is successful, you will also receive a text message to remind you that you have paid off your debts.

2. Is it risky to activate JD.COM White Bar?

1, use cost.

There is no charge for the opening and non-use of JD.COM IOUs, but once they are used, there may be installment service fees, daily service fees, overdue liquidated damages, withdrawal of interest, etc.

The installment service fee starts from 0.5% per month, the daily service fee is 0.05%/ day, and the overdue penalty rate is 0.0 15%/ day. The cash withdrawal function with white stripes is only open to some users, and the specific expenses incurred are subject to the page display.

2. There is a risk that overdue will affect personal credit information.

To open a JD.COM IOU, you need to be authorized to inquire about personal credit information. After all, IOU is a credit line product. Once the repayment is not timely and overdue, it will be truthfully fed back to the personal credit report, leaving a record of bad credit and overdue repayment.

Therefore, as long as it is opened for use, there will be a risk of overdue influence on personal credit information. On the contrary, if JD.COM doesn't open the IOUs, there is no chance of overdue.

3. Overdraft consumption

"Spend first, pay later" is a good shopping experience if it is used well. Poor use will lead to overdraft consumption, and the expenditure is greater than the income.

When I buy it, I buy it crazily, and when I return it, the problem comes. Especially for some people with poor self-control, opening a JD.COM white note will only increase the economic burden. Therefore, we suggest that you spend reasonably and use it according to your repayment ability, and remember not to be blind.