How long will it take before JD.com will be sued for overdue gold bars? Will they really come to your doorstep?

The official did not give a specific time for how long JD gold bars will be sued if they are overdue. They just said that someone will contact the user after the expiration date. It also made it clear that overdue penalties will be incurred and will also affect personal credit and account use. , it is recommended to repay in time.

After the JD gold bars expire, the official will call or send text messages to remind users to repay and explain some consequences of non-repayment. If users still do not repay after a period of time, JD.com may send someone To collect debts, they may even contact family members or friends of overdue users to help collect debts. Then door-to-door debt collection is not impossible. If any collection method does not work, and the amount of the loan is large, then JD.com may be involved. At this time, overdue users may face a lawsuit, which will take about three months.

Jingdong gold bars are online loans. If you sue after the overdue period, most cases will be between two and three months after the overdue payment. The regulations of each platform are different. The longer the overdue time is, the penalty interest will be. There are a lot of them, and the platform’s fancy collection methods will also cause stains on personal credit reports.

It is impossible not to repay Jingdong gold bars when they are overdue. If you can pay it off, repay it as soon as possible. The sooner you pay it off, the smaller the impact. If you really can’t pay it off, you can pay back a little first and then follow up. The debt collector explains his or her situation, provides proof of inability to repay, and applies for a deferral of repayment.

Article 15 of the "Civil Procedure Law of the People's Republic of China", agencies, social groups, enterprises and institutions may support the injured unit or the behavior that damages the civil rights and interests of the state, collectives or individuals. Individuals file lawsuits in the People's Court.

Article 674 of the "People's Republic of China and Civil Code" The borrower shall pay interest according to the agreed period. There is no agreement or the agreement is not clear about the period for payment of interest, and it cannot be determined according to the provisions of Article 510 of this Law. If the loan period is less than one year, it shall be paid when the loan is returned; if the loan period is more than one year, It shall be paid at the end of each year. If the remaining period is less than one year, it shall be paid when the loan is returned.

Article 675 The borrower shall repay the loan within the agreed time limit. If there is no agreement on the loan period or the agreement is unclear, and it cannot be determined according to the provisions of Article 510 of this Law, the borrower may return the loan at any time; the lender may urge the borrower to return the loan within a reasonable period of time.