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

JD。 If the IOU is overdue, it may affect personal credit information. Once it affects your credit information, it will disappear after five years. In these five years, it is difficult for everyone to apply for a mortgage or car loan. Of course, this does not mean that JD.COM's overdue IOUs will immediately affect the credit investigation. In fact, there is still a process. If the repayment can be made in time after the deadline, or the amount owed is not very large, it will generally not affect the credit investigation unless the circumstances are more serious.

Its realization is that many people are used to shopping on the platform of JD.COM, and JD.COM has also opened a white note. Since JD.COM began to use white stripes, they have been used more and more frequently. The so-called white note in JD.COM is actually like a credit card. When shopping on the platform in JD.COM, you can directly overdraw with white bars. Of course, since it is an overdraft, we will definitely pay this debt in the future, otherwise it will be overdue.

Once your JD.COM IOU is overdue, you must pay a certain overdue fee. Usually, JD.COM White Bar will calculate the corresponding expenses from the first day when this order is overdue, and then you will directly multiply the repayment amount by 0.05%, which is actually our interest, which is also commonly known as liquidated damages. As can be seen from this figure, the interest rate of overdue repayment of IOUs in JD.COM is still quite high. If it is not overdue, it is actually not cost-effective.

In JD.COM, there are two main ways to repay IOUs. The first method is to deposit all debts into IOUs in JD.COM before the repayment date. The second way is to open an automatic repayment service, and the corresponding debt will be automatically deducted from the bound bank card on the repayment date. Many people may choose automatic repayment, after all, this way is more convenient and will not miss the repayment date.