If it is overdue for 3 days, it will not be credited, but it will generate overdue interest, calculated at five ten thousandths of a day, and it will affect personal credit.
If the overdue time exceeds 1 month, a credit report may be submitted, which may affect the continued use of IOUs. If the overdue period is less than five days, pay back the arrears and interest, immediately call the customer service to explain the reasons for the overdue period, and strive for a few days grace period, so that the customer service will not report the credit information to the bank, and the personal credit record will not be affected.
JD.COM interacted with the central bank. The central bank can not only look up personal credit records, but also handle bad debts if users cheat in JD.COM and maliciously fail to repay their loans. In the future, I wanted to get a loan, apply for a credit card, and enjoy the service of paying first, but all of them were rejected.
Extended data:
JD。 COM overdue introduction is as follows:
Users with overdue IOUs from JD.COM must pay corresponding liquidated damages to Jingdong. During this period, JD.COM will remind users to pay back in various ways. There are two repayment methods for IOUs in JD.COM, one is 30-day interest-free deferred payment, and the other is installment payment, which is divided into 3 installments, 6 installments and 12 installments.
The handling fee is 0.5% for each installment, and the installment fees are 1.5%, 3% and 6% respectively. According to the amount of IOUs in JD.COM, consumers can apply for JD.COM IOUs of 15000 yuan at most in JD.COM.
Does it matter that JD.COM's IOUs are overdue for three days?
If it is overdue for 3 days, it will not be credited, but it will generate overdue interest, calculated at five ten thousandths of a day, and it will affect personal credit. If the overdue time exceeds 1 month, a credit report may be submitted, which may affect the continued use of IOUs. If the overdue period is less than five days, pay back the arrears and interest, immediately call the customer service to explain the reasons for the overdue period, and strive for a few days grace period, so that the customer service will not report the credit information to the bank, and the personal credit record will not be affected.
“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 is the first Internet consumer finance product in the industry. "Pay first and then pay back", enjoy a maximum interest-free period of 30 days and a maximum of 24 installments. Log in to Baitiao official website or Jingdong Financial APP- Baitiao, and you can enter the page to apply for activation independently. JD.COM mall users are eligible to activate the "white note" for mall consumption.
According to the person in charge of risk control of Jingdong Financial Consumer Finance Division, the consumer finance business has no credit that needs manual approval, and users are identified through the risk control big data model. The control system after the typhoon will "identify" users according to their shopping habits, credit status and the stability of the receiving address. , combined with various factors and data, and then quickly give the evaluation results of whether the "white strip" can be activated.
The evaluation basis of big data model is the accumulation of user data, which needs to be updated dynamically in real time. Therefore, with the more accurate modeling of big data, the probability of user "white bar" activation will also increase. JD.COM Consumer Finance has completed the credit score of nearly 200 million users.
Regarding the withdrawal of IOUs, you can receive the withdrawal package regularly, and there are irregular IOUs withdrawal activities. Make a good record of consumer repayment, and you can also get a cash withdrawal reward.
Does it matter if the IOUs are returned three days late? Credit information at the meeting!
With more and more users in JD.COM, the penetration rate of IOUs in JD.COM is also increasing. White stripes are very similar to virtual credit cards. Users can "overdraw" it and repay it on the repayment date. Since repayment is involved, there will be overdue problems. Does it matter if the IOUs are returned three days late?
Does it matter if the IOUs are returned three days late?
There are two repayment methods for IOUs in JD.COM, one is that users take the initiative to repay, and the other is that the repayment date is automatically deducted. The IOUs will be deducted through the bank card bound by the user. If the balance in the bank is insufficient and the deduction fails, the arrears are overdue.
White stripes have no grace period. Once the repayment date is exceeded, there will be liquidated damages. The charging standard of liquidated damages is that in addition to liquidated damages, once the user's arrears are overdue, the overdue records will be reported to the central bank's credit information system, and there will be bad records in the user's personal credit information report.
In addition, if the number of overdue IOUs of users reaches a certain limit, they will be included in JD. COM credit blacklist ",it will be difficult to use JD.COM IOUs or gold bars. If the overdue situation is serious, it will also face the risk of being sued.
If the user's IOUs are overdue only once or twice, then the user's IOUs will be stopped, and even if there is still a quota available, IOUs cannot be used for consumer payment.
Users need to wait 2 hours after paying off the current arrears, and the IOUs will be reopened. In the meantime, JD.COM will re-evaluate users' credit. If the user's credit rating fails to meet the standard for opening white bars after re-evaluation, the user can't use JD.COM white bars even after waiting for 2 hours. Of course, the result cannot be artificially intervened.
The above is right. "Does it matter if I owe you an iou and return three days late?" I hope I can help you!