Will you go to the credit office if the overdue debt is one day?

Will JD.COM IOUs claim credit in a day?

Generally speaking, JD.COM's loan repayment is one day late, which will not affect personal credit information, but the premise is that users need to pay it off as soon as possible within one day.

I. Consequences of overdue JD.COM IOUs

1, there will be a lot of penalty interest and liquidated damages. Overdue IOUs shall be charged with liquidated damages on a daily basis at a rate of 0.07% (days), and the total amount of liquidated damages = total unpaid amount × liquidated damages rate × days of default.

2. Overdue records will be uploaded to the credit information center, which will have a negative impact on personal credit information.

3. If the amount of JD. COM owes a large amount of money, and if it continues to fail to pay back, JD.COM can sue the borrower, and the user must return it after the court decides, otherwise, it will apply for enforcement and the borrower's property can be returned by auction.

Two, JD.COM IOUs overdue is to collect liquidated damages.

Failure to pay the due amount in full before the due repayment date will be regarded as breach of contract, and liquidated damages will be charged on a daily basis, and the proportion of liquidated damages will be 0.05% per day.

3. JD.COM's ill-intentioned overdue IOUs will also be reported to the central bank for credit investigation.

When shopping in JD.COM, consumers can apply for a loan of up to RMB 6,543,800+RMB 5,000, and enjoy a 30-day interest-free period or repayment in installments of 3 to 24 months. In case of malicious overdue payment, JD.COM agreed to upload the records to the central bank.

JD.COM's IOUs cannot be divided into installments after they are overdue. If it is to be divided into stages, it needs to be divided into several stages when placing an order, which cannot be modified. It is common sense that we repay the loan according to the repayment date agreed in the contract. If we are not careful, we must pay back as soon as possible.

Four, in fact, after the credit, as long as the normal use of repayment on time, to develop a good record.

If there is a phenomenon that the debt is overdue, under the circumstance that the overdue amount is not very large and the time is not long, first of all, the arrears and interest should be paid back quickly. Then you can try to call the customer service to explain the overdue reasons and ask them not to report the credit to the bank.

However, if it is overdue for a long time and affects the credit history, what you need to do at this time is to pay off the arrears and interest quickly, and then continue to use the IOUs normally. Through subsequent normal use and timely repayment, the previous bad records will be overwritten, and generally the bad records two years ago will not be checked again.

Specifically, JD Finance will not report every consumption detail, and the credit report will only show the credit record of a white note business. Every month, JD Finance will update this credit record according to the repayment situation of users' IOUs.

Does it matter if the IOUs are overdue by one day?

One day overdue IOUs will have an impact, mainly in the following aspects:

1, credit will leave a stain.

After the IOUs are overdue, the platform will report the overdue situation of customers to the credit report, leaving a record of non-performing loans on the credit report, which will be affected when customers carry out credit activities or apply for certain positions in the future.

After the credit information is damaged, even if the customer pays off the overdue loan, the overdue record will still be kept for 5 years, which will have a long-term impact on the customer.

2. It will be collected by the platform

Once the debt is overdue, the platform will definitely contact the customer by phone or SMS to urge them to repay the overdue debt as soon as possible. However, under normal circumstances, the platform will only collect the customers themselves and will not harass the customers' families. If customers encounter violent collection, they can report to the relevant departments.

3. Generate overdue penalty interest.

After the overdue IOUs, the platform accountant will charge the overdue penalty interest to the customers. Penalty interest is charged on a daily basis, and the penalty interest for one day overdue is more than the normal loan interest, so the longer the customer is overdue, the more penalty interest will be generated.

4. being asked to repay in advance

If the customer is overdue for many times and has no intention to settle the overdue debts as soon as possible, the platform will terminate the service contract in advance according to the contract and require the customer to settle the arrears in advance, which will directly increase the repayment pressure of the customer.

5. The white line will be affected.

Overdue means that the risk of customers is rising. In order to prevent the risk from further expanding, the platform will reduce the customer's loan quota or freeze the customer's credit quota, and it will be more difficult for customers to continue to use IOUs in the future.

There is no fixed time point for the withdrawal of IOUs after they are frozen or reduced. The specific time is subject to the platform audit results.

6, affecting online lending big data

After loans overdue, overdue records will be reflected in online loan big data, and the function of online loan big data is somewhat similar to credit reporting, which will bring great trouble to customers' credit activities in the future.

7, affect the use of other products in JD.COM.

The IOU is just a credit product of JD Finance. Once the loan is overdue, it means that the customer may encounter some financial difficulties or other circumstances, and the risk of overdue will become greater in the future. In this case, in order to control risks, the system will restrict customers from using JD.COM. COM's JD.COM gold bars and other products.

8. Reduction of evaluation branches.

The evaluation score is an important document for JD.COM to evaluate the customer's qualification. Once the customer's use of white stripes is overdue, the customer's impression of the platform will be greatly reduced, and the platform will reduce the customer's evaluation score according to regulations. When the evaluation score falls below a certain level, customers will lose some rights and interests.

There is generally no grace period for IOUs, and customers need to repay in time according to the regulations after using them. Once overdue, it may bring more serious harm to yourself.

Extended data:

What should I do if the amount of overdue IOUs is deducted by one day?

The amount of overdue IOUs for one day has been deducted. Users need to pay off overdue debts first, and then wait for the system to re-evaluate. After the system is re-evaluated, there is a certain probability to recover the IOUs. One day overdue of IOUs is not a serious overdue, but the system has deducted IOUs, indicating that the user's credit qualifications are poor, and the system considers the user to be a risky customer, and the IOUs loan line will be recovered after the user is overdue.

After the loan amount of IOUs is recovered, users will be unable to use IOUs. During the period when there is no credit line, please ask users to continue to accumulate good credit records and actively improve their personal repayment ability, which can help users restore the credit line as soon as possible. The amount of IOUs is given by the system evaluation, which cannot be manually intervened, and users cannot recover the amount of IOUs by calling the customer service hotline.

After the IOUs are overdue, there will be overdue records and overdue interest. Overdue records will affect personal credit information, leading to poor personal credit information, and overdue interest will increase the repayment burden of users.

Will JD.COM IOU report the credit report at the meeting one day overdue?

JD.COM Baitiao is the first Internet consumer finance product in the industry. There is no grace period for IOUs in JD.COM, and one day overdue will affect the credit investigation. After affecting the credit information, it will affect the purchase loan. It should be noted that if it is overdue for no reason, such as forgetting, after one day overdue, you can call JD.COM Baitiao customer service to explain that the overdue behavior is unintentional and apply for exemption from overdue records.

First, the consequences of not repaying JD.COM's IOUs;

1, resulting in late fees.

There will be an overdue fee for blank paper. If the repayment is not made in full on the final repayment date, JD Finance will charge a service fee at the daily interest rate of 0.05%. In addition, if the minimum amount is not paid, a penalty of 0.0 15% will be charged every day in addition to the service fee.

2, affect personal credit

Since JD.COM IOUs have been connected to the central bank's credit information system, if IOUs do not repay, the overdue debt records will be reported to the central bank for credit information. At that time, your personal credit report will have a bad credit record and your personal credit will be affected. And white stripes will also affect your white stripe credit.

3, affect the use of white bars

If you don't return the white bill, the system will probably lower your white bill limit to avoid risks, and may even stop the white bill account. And you may never be able to use white bars properly again.

4. Collectibles

After the white form is overdue, you may receive text messages, phone calls, letters, door-to-door collection, and even be sued.

Second, the JD.COM White Paper is an Internet consumer finance product launched by JD.COM. Customers can use white paper to "spend first and then repay". Users can enjoy up to 30 days' deferred payment or up to 24 installments.

"Pay first", enjoy a maximum interest-free period of 30 days and a maximum of 24 installments. Log in to Baitiao official website or Jingdong Financial app Baitiao, and you can enter the page to apply for activation independently. JD.COM mall users are eligible to activate the "white paper" on mall consumption.

According to the person in charge of risk control of Jingdong Financial Consumer Finance Division, the credit business of consumer finance business does not need manual approval, and users are identified through the risk control big data model. The control system after the typhoon will "identify" users according to their shopping habits, credit status and the stability of the receiving address. , combined with various factors and data, and then quickly give the evaluation results of whether the "white strip" is acceptable. Short-term overdue of IOUs will not have much impact on the account. As long as we return the IOUs in time, we can restore the account to normal without affecting the use of IOUs. If it is not repaid for a long time, you will receive a repayment reminder from the platform. If it is not returned in time later, accounts and individuals will begin to be affected.

Will JD.COM's overdue IOUs affect personal credit reporting?

Will affect, overdue is a bad behavior, will be credit.

The Regulations on the Administration of Credit Information Industry has corresponding provisions on this:

Article 16 The retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.

During the retention period of bad information, the information subject may explain the bad information, and the credit reporting institution shall record it. Information subjects can inquire their own information from credit reporting agencies. The subject of personal information has the right to get my credit report twice a year for free.

Extended data:

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Regulations on the Administration of Credit Information Industry and other relevant laws and regulations:

Article 22? Units due to the performance of management responsibilities, need to * * * enjoy public credit information, it should be in accordance with the relevant provisions of the government * * * data to the municipal network information department and the municipal public * * * credit information department to apply for use, clear * * * enjoy the content, purpose, way and security responsibilities, after examination and approval, the relevant information can be used.

City credit information public service platform shall formulate and publish service specifications, and provide convenient inquiry services to the society through service windows, platform websites and mobile terminal application software.

Article 23? If you inquire about my non-public information, you should provide your valid identity certificate; To inquire about other people's non-public information, the valid identity certificate of the inquirer and the authorization certificate of the inquired person shall be provided. Where laws and regulations provide otherwise for information inquiry, such provisions shall prevail.