JD.COM IOU is a brand-new payment method introduced by JD.COM. When using IOUs to pay on JD.COM website, you can enjoy a deferred payment period of up to 30 days or a payment by installments of up to 24 days. It is the first Internet consumer finance product in the industry. Since then, Baitiao has also opened up O2O, global purchase and product crowdfunding within the JD.COM system, and then gradually covered the fields of renting, tourism, decoration, education, wedding, etc., and extended from credit purchase service to providing credit consumption loans, covering more consumption scenarios and providing credit consumption services for more consumers.
1. How to remove the risk control of JD.COM IOUs?
JD.COM Baitiao wants to get rid of risk control. First, he must find out what bad behaviors he has, which leads to the rise of account risk and system risk control.
For example, illegally cashing out or frequently changing equipment to log in, and often modifying account information (for example, changing bank cards, changing certified mobile phone numbers, etc.). ), then you must pay attention to avoid this risky operation again and wait patiently for the system to release the risk control. At the same time, you can accumulate more good credit and participate in credit tasks to improve Xiaobai's credit score.
Generally, the system will be comprehensively evaluated every other month or so. When the comprehensive score of the system rises and the risk of the account is reduced, the risk control will naturally be lifted (it is recommended to wait for three to six months). It should be noted that account risk control can only be lifted after system evaluation, and cannot be forcibly lifted by human intervention.
Of course, if the customer doesn't actually cash out, but the system is suspicious before the risk control, the customer only needs to appeal and provide the latest transaction details, and the risk control should be lifted soon after the system checks clearly.
Second, how to negotiate the installment of JD.COM's overdue IOUs?
After JD.COM IOUs are overdue, users need to take the initiative to call JD.COM IOUs customer service hotline, explain the reasons for overdue, and then apply for negotiated repayment. After the user submits the repayment application through negotiation, the IOUs will review the user. After the audit, both parties can agree on the repayment time and amount. Of course, some users failed to pass the audit when applying for repayment by agreement, and users need to pay off overdue debts as soon as possible.
For users, as long as the credit qualification conditions are good and they are not often overdue, the probability of successful negotiation is certain.