Is JD.COM's IOU overdue in the credit report at the meeting?

JD。 The arrears were reported at the meeting. After the overdue IOUs are overdue, the overdue records will be uploaded to the credit report, and all overdue debts must be settled, and the overdue records will be deleted after 5 years. However, if the user fails to settle the overdue arrears, the overdue record of the IOUs will remain in the credit information. After a long time, it will directly form a credit information stain. With the credit information stain, users cannot apply for any credit business in the future.

1.JD.COM Is the credit report overdue at the meeting?

It was reported at the meeting that JD.COM's IOUs were overdue.

After the overdue IOUs are overdue, the overdue records will be uploaded to the credit report, and all overdue debts must be settled, and the overdue records will be deleted after 5 years.

However, if the user fails to settle the overdue arrears, the overdue record of the IOUs will remain in the credit information. After a long time, it will directly form a credit information stain. With the credit information stain, users cannot apply for any credit business in the future.

Therefore, overdue debts must be repaid as soon as possible, which can reduce the negative impact of overdue records and delete them as soon as possible.

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.