2. Overdue credit will be damaged, and being included in the "blacklist" system will affect personal credit information;
3. Penalty interest and liquidated damages, high interest and corresponding liquidated damages;
4. Take charge of the fancy collection of the platform. After a long overdue period, the platform stopped persuading and began to take practical actions to collect;
5. Pay back on time in the future, and don't be overdue.
JD.COM's IOUs are overdue for more than 15 days.
Overdue repayment will generate late fees and interest, which will affect personal credit. Customer's relevant credit information will be stored in the personal credit database as part of the credit record. The late payment fee is 5% of the minimum repayment amount, and the minimum charge is 65438 yuan +00 yuan. Interest is calculated from the invoice date (usually the day after consumption) until all the arrears are paid off. In order to avoid affecting personal credit, repayment should be made on time.
Extended data:
JD.COM IOUs overdue interest:
JD.COM's overdue IOUs will first generate overdue interest. According to the regulations of JD.COM IOUs, payment can be postponed for 30 days without generating any interest rate. The rate standard for installment payment of JD.COM IOUs is 0.5%/ month. That is to say, the third phase selected by the user is 1.5%, and 12 phase is 6%; If JD.COM reminds users of overdue for many times, the penalty will be 0.03% per day.
If JD.COM Baitiao defaults on repayment, it is only an overdue record, and there will be resistance when applying for a loan, but the impact will be gone after 5 years; If JD.COM defaulted on its IOUs, it would be called bad debts. The bank and JD.COM will remember it all their lives. It is impossible to get a loan, apply for a credit card and enjoy the service of paying in advance.