How to deal with overdue IOUs in JD.COM? COM？

Regular law firms deal with overdue procedures as follows:

For example, JD.COM Gold Bar: There is no grace period for the credit investigation of JD.COM Gold Bar loan, and the repayment record of each loan will be recorded. In order not to affect your personal credit, please repay on time.

JD.COM Gold Bar will send you overdue reminder messages on 1, 3, 5, 7, 10 and 15 days after the overdue date. In addition, you will be reminded by phone on the 10 day after your gold bars are overdue. JD.COM will send letters, text messages and e-mails to better remind users of their arrears and remind them to pay them off in time. At the same time, JD.COM has very strict measures to keep user information confidential. Please rest assured, and please pay off the arrears of gold bars as soon as possible and pay attention to your repayment time in time.

Overdue gold bars in JD.COM will generate liquidated damages: liquidated damages = all outstanding principal * liquidated damages ratio (0.06%~0. 15%)* days of default.