Will JD.COM gold bars be credited if they are overdue for one day? It's not intentional.

Yes, there is no grace period for JD.COM gold bars. As long as they are overdue, the record of one day overdue will be uploaded to the credit information.

Supplementary information:

1. The official has made it clear that JD.COM will report the loan to the credit bureau, so users must repay it on time after handling it in JD.COM, and there can be no overdue repayment, because there will be penalty interest in addition to the credit bureau. The longer the time, the more penalty interest will be generated, and the greater the repayment burden in the later period.

2. If the loan on JD.COM is credit, the overdue record will remain in the credit for 5 years after the borrower returns it, and will disappear automatically after 5 years. If the arrears are not paid, then this overdue record will always be recorded in the credit report and will never disappear.

Loans from 3.JD.COM are generally handled through JD.COM gold bars. The maximum loan amount of JD.COM gold bars is 200,000 yuan. When borrowing money, collateral is not needed. Interest is calculated on a daily basis after borrowing, and repayment can be made in advance if there are sufficient funds. You can choose different stages when borrowing money, 1, 3, 6, 12.

In order to avoid not being able to repay on time after borrowing, users should measure their repayment ability and know what income to use to repay. If your personal income is not much, you should borrow carefully at this time. If your personal income is relatively high, you can get a reasonable loan at this time.

5. If it is overdue, pay off the arrears in time. And explain to JD.COM the reasons for his overdue, so as to gain the understanding of JD.COM officials.

6. If the loan amount is too large, your current repayment ability is limited. You can negotiate the repayment plan with the other party.

Extended data:

I. Introduction to Jingdong Finance:

1. Jingdong Finance takes platform, intelligence and content as its core competencies, and cooperates with nearly 1,000 financial institutions such as banks, insurance companies and fund companies to provide users with professional and safe personal financial services. ?

2. Jingdong Finance launched nearly 10,000 financial products such as white bars, funds, bank wealth management, small treasury, gold bars, joint small white cards and small gold cards, covering four business segments: wealth management, lending and insurance.

3. JD Finance has cooperated with nearly 1,000 financial institutions, including:

(1) Banking institutions: Industrial and Commercial Bank, China Construction Bank, China Merchants Bank, Shanghai Pudong Development Bank, China CITIC Bank, China Everbright Bank, Ping An Bank, Minsheng Bank, etc.

(2) Brokerage institutions: CITIC Securities, CITIC Construction Investment, Essence Securities, GF Securities, etc. ;

(3) Fund institutions: Tian Hong Fund, E Fund, Huaxia Fund and southern fund.

(4) Insurance institutions: Ping An Insurance, China PICC, Taikang Insurance, Allianz Insurance, etc.