Will JD.COM still collect credit if the loan is overdue for two days?

How long does it take to call home when the IOUs are overdue, and how many days does the IOUs demand payment?

In an overdue message, JD.COM officials will personally contact the loan applicant, and when I get a call, I will repay the loan on time. If the loan applicant fails to repay the loan on time, JD.COM Management Committee will contact and fill in the complete emergency contact number on 18, and call the emergency contact person for collection. If the repayment is overdue for 20 days, JD.COM officials will call the telephone number in the borrower's address book.

Generally speaking, when the IOUs are overdue for about 20 days, JD.COM officials will call home. In addition, the overdue reminder SMS will be sent to the borrower 1, 3, 5, 7, 9, 15 and 20 days after the overdue debt. Among them, 3 days overdue is usually a voice reminder, not a manual dial. If you are afraid of being harassed and unable to work with peace of mind, you can choose to pick up the collection phone.

In general, the IOUs will be submitted to the Credit Bureau three days after the deadline. If the user is overdue for the first time and the overdue amount is low, the credit overdue may exceed 15 days. In other words, after the loan is generally overdue for 3 days, JD Finance will upload the overdue record of the user to the Credit Information Center of the People's Bank of China. Users should note that if the IOUs are still in arrears after cancellation, JD Finance will still report to the Credit Information Center of the People's Bank of China.

Generally speaking, for users with a large overdue amount, the white note will be submitted to the credit bureau after 3 days overdue. If the overdue amount of the user is small and it is the first overdue, it will be 15 days before the credit investigation. If it is overdue for a long time and affects the credit record, the user needs to pay off all the arrears and interest, and then maintain a good credit record.

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