If the IOU is overdue for about 20 days, JD.COM officials will call home.

JD.COM White Bar is the first Internet credit payment product in the industry, which allows users to enjoy the consumption experience of "consumption first, payment later, real-time approval and arbitrary installment". It quickly became an industry model and established Jingdong Finance's position as a leading brand in the consumer finance industry.

In positioning, "JD. COM White Strip is a credit payment service for users with high credit rating and consumer demand through the credit evaluation of big data. Users can enjoy the service of paying first and shopping in installments in JD.COM Mall, with a maximum of 24 installments. Bills can also be repaid in installments, with the lowest repayment rate and lower execution rate than bank credit cards. Jingdong Finance Consumer Finance has opened more than 1 100 million users. [4]

Since then, "Baitiao" has also opened up O2O(JD.COM arrives at home), global purchase and product crowdfunding within the JD.COM system, and then gradually covered the fields of renting, tourism, decoration, education, wedding and so on, extending from credit house purchase service to providing credit consumption loans, covering more consumption scenarios and providing credit consumption services for more consumers.

JD.COM Baitiao's service scene has gradually expanded, with nearly 10 million online and offline merchants, covering life and entertainment, business travel, education and training, communication, leasing and other industries. Cooperate with the bank to co-sign the electronic account "White Strip Flash Payment", expand the white strip payment to offline through NFC technology, and further broaden the use scenarios of white strip payment by binding WeChat payment.

2065438+March 2009, according to the statistics of the referee document network, more than 200 people have used JD. COM white strip "fraud. According to the verdict, the average age of the defendants in 107 is 28 years old. Take JD as an example. The two courts in Changsha pronounced that college students accounted for nearly half of the defendants. The defendant's maximum sentence was 19 years, with an average sentence of 2.35 years. In addition, the number of college students deceived mentioned in the judgment exceeded 362, which became a more conspicuous group among the victims.

In 20 15, Baitiao began to go out of JD.COM and integrate into more scenes with an open and cooperative attitude, providing users with credit consumption loans. Including the white co-branded credit card jointly created with the bank; Cooperate with third-party merchants to provide services such as "white strip" staged tourism, renting, decoration, car purchase and education. And provide consumer financial support specifically for campus and rural people.

When the IOU expires, will JD.COM call his family?

How long does it take to call your family in JD.COM to collect IOUs? It depends on the specific situation of the collection. Under normal circumstances, if the IOU is overdue for more than 18 days, JD.COM will call the emergency contact.

JD.COM Baitiao attaches great importance to overdue behavior. Under normal circumstances, overdue SMS will be sent to the borrower on 1, 3, 5, 7, 10 and 15 days to remind the borrower of repayment. If you don't pay back the money all the time, it will affect your personal credit or be sued.

The overdue lock of JD.COM's IOUs also shows the quota. Because this quota cannot be used, it has not been modified in the background. After the user pays off the arrears, the arrears will be automatically unlocked for about 2 hours. If it is not unlocked after the time limit, it means that the user's situation does not meet the platform requirements for the time being.

It is suggested that users should pay attention to the habit of timely repayment and not overdue when using JD.COM IOUs, otherwise they will be locked and reported to the credit reporting agency. If JD.COM's IOU is overdue, a penalty will be charged. If they fail to pay the due amount in full before the due repayment date, it will be regarded as a breach of contract.

The penalty is 0.05% per day. If JD.COM's IOUs are maliciously overdue, they will also be reported to the central bank for credit investigation. In addition to protecting personal information, borrowers can also learn about their online loan usage through: white data and find this WeChat applet. The report includes comprehensive scores, application records and other details, as well as the big data status of personal online loans. If big data is confusing, it should be corrected in time to avoid a major impact on personal credit information.

JD.COM called late, how can there be a home phone?

The collector will contact the relevant number you left in Jingdong Financial System. The number has been desensitized, so you can't see the specific number and owner, and you won't reveal your information.

In addition, your account information will not be leaked when communicating with third-party contacts, so as to fully protect your privacy. Whether or not JD.COM will call his family after the overdue IOU, and how long it takes to call his family, all depend on the user's handling method and attitude after the overdue IOU. If they take the initiative to answer the dunning call, they generally don't inform their families.

Overdue reminder SMS will be sent to users 1, 3, 5, 7, 9, 15, 20 days after overdue. Contact me first when the IOU is overdue. If I can't get in touch, I will contact my family and address book, so the best way is to negotiate repayment, not escape.

How long will it take to call home when the IOU is overdue?

Loans have always been one of the ways to solve people's economic difficulties. Applying for online loans can reduce the embarrassment of applying for loans from others. In most cases, the borrower should find a way to pay it back quickly after it is overdue, which is what the borrower should solve most. It is also important to worry about whether the loan financial institution will call home. So, how long will it take to call home when the debt is overdue?

How long will it take to call home when the IOU is overdue?

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 dial 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.