Call JD.COM 95118 to negotiate repayment.
After the borrower is overdue, you can contact Jingdong Financial Online Customer Service. The steps are: Jingdong Financial APP- mine-my customer service-online consultation, and then transfer to manual customer service to propose the second installment demand negotiation; Or call 95 1 18 customer service directly and say that repayment should be negotiated.
Please pay attention to the following matters when negotiating repayment:
1. Users can call the online customer service phone in JD.COM or Jingdong Finance APP to contact the manual customer service of Jingdong Finance, or they can directly call 95 1 18 to explain their financial situation to each other, and they are unable to repay. It is best for users to provide some auxiliary materials to prove their repayment situation, so as to prove that they are really unable to repay rather than deliberately owe money;
2. Users should actively express their repayment intention, and then propose to customer service to extend the repayment time and repay the arrears in installments. The specific repayment method can be formulated by the user according to his own economic situation and repayment amount. If reasonable, gold bars can be disposed of as appropriate. If the first negotiation is unsuccessful, the user can modify the repayment method and reapply.
What users need to pay attention to is that if gold bars are really unable to negotiate repayment, they can only find ways to raise money for repayment. They can borrow money from relatives and friends and then return the money to them. The above is how JD.COM Gold Bar negotiates repayment.
JD.COM's IOUs are overdue. How to negotiate deferred repayment?
JD.COM IOUs are personal credit products, and JD Finance reserves the right to provide your default information to relevant government departments, industry supervision and management institutions or other legally established credit management institutions. It is suggested to maintain good consumption habits, repay on time, accumulate good credit and enjoy better financial services. JD.COM IOU is a post-consumer payment product launched by JD.COM. If you don't repay the loan at maturity, you will have a certain percentage of liquidated damages, and your credit and later use may also be affected to some extent. In order to avoid inconvenience to your use, please repay according to the repayment date. Overdue IOUs will have the following consequences: 1. Overdue penalty interest: If the minimum repayment amount is not paid off before the repayment date, the system will charge you liquidated damages on a daily basis. At present, the overdue rate of IOUs in JD.COM is 0.07%/ day, and liquidated damages are charged on a daily basis. The calculation formula of overdue fee for making IOUs is: total liquidated damages = total payable × liquidated damages rate × days of default; The calculation formula of IOUs overdue fee is: total amount of liquidated damages = total amount payable (all unpaid principal and all unpaid installment service fees) * liquidated damages rate * days of default. 2. Overdue treatment: overdue IOUs will not be allowed to participate in IOUs. At the same time, our company reserves the right to provide your default information to relevant government departments, industry supervision and management institutions or other credit management institutions established according to law. I suggest you keep good consumption habits and pay back on time, so that you can accumulate good credit and enjoy better financial services.
Please click to enter the picture description (maximum 18 words).
How to delay the repayment of JD.COM IOUs?
JD.COM cannot apply for deferred repayment due to IOUs,
If the minimum repayment amount is not paid after the final repayment date, it will be overdue, resulting in a handling fee, which will have a negative impact on personal credit information.
Users can check the last repayment date through Jingdong Financial APP- White Slip-* Monthly Statement (* stands for month). If the funds are difficult, it is suggested to choose the minimum repayment amount or installment repayment to relieve the pressure.
“JD。 COM White Strip 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", and quickly becomes an industry model, laying the leading brand position of Jingdong Finance 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.
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.
As the first Internet consumer finance product in the industry, "White Strip" was initially only provided for users to shop in JD.COM Mall. In fact, it relies on JD.COM Mall to provide users with credit purchase services. In April of 20 15, "Baitiao" opened up O2O(JD.COM to Home), global purchase and product crowdfunding within the JD.COM system, and then gradually covered the fields of renting, tourism, decoration, education, etc., extending from credit house purchase service to providing credit loans, covering more consumption scenarios and providing services for more consumers.
2065438+In March 2006, JD Finance launched the first cash loan product-JD.COM Gold Bar, which tailored the cash loan service for IOUs with good credit. It is an extension of IOUs credit in the cash consumption scenario.
JD.COM Gold Bar adopts differentiated credit granting and interest rate pricing, and provides cash loan service with the maximum credit line of 200,000 yuan and the longest installment 12 months, with daily interest, with the daily interest rate not exceeding 0.05%.
On August 20 16, the white stripes were merged into jingdong wallet. As an important channel entrance of Jingdong wallet, white stripes have moved from online to more mobile scenes, such as sogou, Lufthansa Mall and Jingkelong Supermarket.
In addition, Baitiao also cooperated with China CITIC Bank and China Everbright Bank to launch joint credit cards, also known as "small white cards". This is a "internet plus" credit card, which is sought after by young people born in 1990s. It is also the first credit card for many young people. This card further embodies the role of IOUs as credit connectors between the Internet and banks, online and offline, and enjoys the combined rights and interests of banks and the Internet.
How to negotiate repayment with JD.COM?
You need to call the customer service staff in JD.COM in time, take the initiative to negotiate with the customer service in JD.COM about repayment, show your willingness to repay, and explain the reasons why you are unable to repay. Note that the reason for the inability to repay here must be real, which really leads to the inability to repay. The customer service of Baitiao will evaluate it accordingly, and then decide whether to agree to negotiate repayment. If the customer service of the debit note does not accept the negotiated repayment, the debtor can only pay off the debt in one lump sum.
If you are overdue for a long time, Baitiao customer service will generally take the initiative to negotiate with you, but it is best not to wait for Baitiao customer service to take the initiative, because overdue interest has been increasing, which also affects the credibility of your credit investigation.
I. ways to deal with negotiations and preparations after the deadline.
1, go to a civil law firm to consult with a lawyer. This method is faster, but it requires a certain fee for the lawyer. I believe everyone is unwilling to take this money. Then you can try the second one.
2. By complaining about the unreasonable behavior of the bank to which the overdue credit card belongs, request the bank to intervene and coordinate, and point out that it is willing to resolve the dispute by stages in the form of consultation. If J accepts it, the bank will stop the dunning and call to negotiate the installment. So, please don't turn off your phone again to avoid dunning.
Second, the method of complaining to Yin Bao J Administration Bureau
1, telephone complaint
2. Email complaints
3. Written complaints should be sent to Yin Bao J Administration of our bank.
Third, the handling method of bancassurance J Administration
The first time you complain, you will be allowed to negotiate with the bank yourself. If the negotiation is unsuccessful or the result is not satisfactory, you can make a second complaint, list the unreasonable requirements of the bank and explain how many installments you want, but the number of installments should be within a reasonable range. It is usually a few days after the intervention of Yinbao J Administration, and the second complaint is about one month.
Four, the bank insurance J administration of each bank.
1, Shenzhen Yin Bao J Administration: CITIC, Ping An and other banks.
2. Shanghai Yin Bao J Administration: Shanghai Pudong Development Bank, Bank of Communications, China Merchants Bank, Industrial Bank, Shanghai Bank, Bank of East Asia and Citibank.
Five, the bank's staging method
China Merchants Bank, Shanghai Pudong Development Bank, Bank of Communications, Xingye, China Everbright and Guangfa are all free installments. If the overdue time is longer, or the cardholder who requires a shorter installment time, a part can also be appropriately reduced. CITIC and Huaxia don't want liquidated damages. After signing the contract successfully, they will pay 10% of the total amount owed for the first time, and the rest will be paid in installments for free. People's livelihood only needs to pay back the principal, and pay back the arrears of 10% for the first time, and charge a handling fee of three thousandths for each subsequent period.