JD.COM Baitiao sent me a short message that was 20 days overdue. Will they really call?

I will. JD.COM's IOUs were overdue by the central bank's credit information system. The staff of Jingdong Finance will first inform the customer of JD.COM's loan by SMS, and then call the repayment. The reason why the staff of Jingdong Finance will call is mainly to urge the lender to repay the loan as soon as possible, so as not to further affect the credit information; Help Jingdong Financial Company to collect debts; Responsibilities of financial personnel in JD.COM. I think there are three main reasons.

First, urge overdue debts to be repaid as soon as possible, so as not to further affect credit reporting.

Because if JD.COM users fail to repay their loans on time after using IOUs, their personal credit records in the central bank will be affected. The staff of JD.COM IOU will notify the overdue person by SMS first, and then notify the overdue person by phone. One of the purposes is to inform the overdue borrowers to repay as soon as possible, so as not to further affect their personal credit information system in the central bank, and at the same time, it will also affect the normal use of JD.COM IOUs in the later period and the normal use of other wealth management loan products under JD Finance.

Second, help Jingdong Financial Company to collect debts.

As JD.COM users failed to repay JD.COM's debt on time, the customer repayment detection system of Jingdong Finance was triggered, and the staff of Jingdong Finance would notify JD.COM of the overdue debt by SMS or telephone. One of its main purposes is to help JD.COM Finance Company recover the corresponding debts, because if the corresponding debts are not recovered in time, it will not only affect some normal operation functions of JD.COM Finance, but also indirectly affect the normal operation of other subsidiaries under JD.COM.

Three. Responsibilities of financial personnel in JD.COM

After users in JD.COM have used IOUs for a long time, the staff of JD Finance will inform overdue users of repayment through various reasonable and legal ways, which will not affect the personal credit information system and help JD Finance recover the corresponding funds as soon as possible. One of the main purposes is to better fulfill the obligations of financial personnel in JD.COM, to fulfill the responsibility of informing customers that financial personnel in JD.COM should do, and to complete the job assessment requirements of employees in JD.COM Finance Company.

Note: Due to the direct cooperation of the Central Bank of Jingdong Finance, the overdue credit report of JD.COM Baitiao, a subsidiary of Jingdong Finance, was made at the meeting, which should be repaid as soon as possible, not only for personal credit problems, but also to ensure the normal use of other wealth management loan products under Jingdong Finance in the future.