How long does it take for JD.com’s gold bars to be overdue to sue!

There is no grace period for credit reporting on JD gold bar loans. Your repayment records for each loan will be recorded. In order not to affect your personal credit, please repay on time.

JD.com will send you overdue reminder text messages on the 1st, 3rd, 5th, 7th, 10th, and 15th days after your gold bars expire. In addition, you will receive a phone call starting from the 10th day after your gold bars expire. If it is overdue, in order to better remind users of their arrears and remind them to pay off in time, JD.com will collect the amount due from users through letters, text messages, emails, phone calls, door-to-door visits or judicial channels. At the same time, JD.com has very strict confidentiality measures for user information. Please rest assured and please pay off your gold bar debt as soon as possible and pay attention to your repayment time in the future.

Overdue JD gold bars will incur liquidated damages: liquidated damages = all principal that should have been repaid * liquidated damages ratio (0.06%~0.15%) * number of days of default

Example (assuming breach of contract) The gold ratio is 0.06%): Take a loan of 3,000 yuan in gold bars on November 30, 2017, with a loan period of 3 months and a daily interest rate of 0.04%.

The repayment dates are December 30, 2017, January 30, 2018, and February 28, 2018. If the user fails to repay on December 30, as of January 4, 2018, there have been 35 days of borrowing and 5 days of default in this period. 30 days of interest and 5 days of penalty interest will be charged.

Liquidated damages payable in the current period=3000*5*0.06%=9.00 yuan