JD.COM IOUs overdue for one month will have the following consequences: the credit information on IOUs overdue records will be retained for 5 years even if the overdue records are settled, and will be deleted after 5 years; Collect liquidated damages on a daily basis after the deadline; After the deadline, Baitiao will call and send a text message for collection; White bars cannot be used normally during the overdue period; It is impossible to apply for other loan products.
In short, overdue IOUs have serious consequences. Please pay off the debt as soon as possible to reduce the influence of overdue records on credit investigation.
Extended data:
JD.COM white note: "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.
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.
What happens if JD.COM's IOUs are overdue for one month?
JD.COM IOUs belong to credit products. If the bill IOUs fail to pay off the minimum repayment amount before the repayment date, and the instruction IOUs fail to pay off before the repayment date, it is overdue. 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 will be charged on a daily basis.
The calculation formula of overdue fee in bill system is: total amount of liquidated damages = total unpaid amount × liquidated damages rate × days of default; The calculation formula of overdue fee for order-based IOUs is: total liquidated damages = total unpaid amount (all unpaid principal+all unpaid installment service fees) * liquidated damages rate * days of default.
2. Overdue treatment: you will not be able to participate in the overdue IOUs, and reserve the right to provide your default information to relevant government departments, industry supervision and management institutions or other legally established credit management institutions. If it is overdue for a long time, it may cause the white strip to be unusable and receive a reminder. I suggest that you keep good consumption habits, pay back on time, accumulate good credit and enjoy better financial services.
What happens if JD.COM's IOUs are overdue for one month? First of all, there will be overdue interest, because according to the regulations of JD.COM IOUs, the repayment can be delayed for 30 days, and after that, there will be corresponding fees according to the charging standards, and their charging standards will be longer and longer with your overdue, and the standards will be higher and higher. Secondly, fin will also have an impact on your personal credit information, and it will be eliminated after you pay off the debt for a period of time. If you don't pay it back all the time, it will have a great impact, so what will be the specific impact? Let's call it a day.
Point 1 affects personal credit information.
If you don't pay it back for a long time, it will leave a stain on your personal credit, and these stains will accompany you for a long time, during which you will become a blacklisted user of various banks. It is also very difficult to apply for a credit card or loan. Blacklist users are shared by all banks.
Point 2 may bear legal responsibility.
If you owe a large amount, if you don't pay it back for a long time, you will be prosecuted and eventually punished by law, and all the property under your name will be sealed up by law.
The third point is about collection.
If you don't return it at first, the plot is still not serious. They will call you to remind you, or send text messages to your friends or family. If you are in arrears for a long time, they will take action and will come to collect it. Either of these two points has a very bad influence on us. If it does happen, maybe we will be embarrassed in front of our family and friends.
The fourth point is to bear high overdue fees.
There will be a corresponding fee after you start overdue. And the overdue fee is different from your interest, it will accumulate, and the charging standard is not low, which may eventually lead to your inability to pay off.
This is all my answer to this question. I hope it will help everyone. Thank you.
What happens if JD.COM borrows an iou and doesn't pay back the money for a month?
JD.COM IOUs overdue for one month will have the following results:
1. After the IOUs are overdue, the system may automatically lock your IOUs account, and you can no longer use IOUs for consumption after locking;
2. Overdue IOUs will have a negative impact on your credit;
3. If the minimum repayment amount is not paid off before the repayment date, the system will charge liquidated damages on a daily basis in addition to the daily service fee. In addition, after the overdue IOUs, JD.COM will remind the repayment through letters, short messages, e-mails, telephone reminders, letter delivery, home visits and judicial channels. If necessary, it will also entrust an external agency to remind you.
JD。 The overdue IOUs of COM will also affect the online black index score of users, if the online black index score is too low. The sub-scale of Cyberblack Index is 0- 100. The higher the score, the better the credit. When the score is less than 40, it belongs to the blacklist of online loans. The low score of the Internet Black Index will not only affect the success rate of online lending, but also affect the user's flower beds and loan amount, and even lead to the closure of flower beds and loans.
The impact of the blacklist of online loans on individuals is to apply for new loans, which is difficult to approve again. Although online lending is very convenient now, we must spend rationally, pay attention to repayment on time, and maintain our credit record. Long-term application for online loans must pay attention to your own online loan big data to prevent it from becoming a blacklist of online loans because of blind application.
Just need WeChat search: sky data. Click Query, enter information and you can query your own 100-line credit data, which come from online lending platforms and UnionPay all over the country. Users can query their own big data and credit situation, find this small program to obtain various indicator data, and query their own personal credit situation, blacklist situation, online loan application record, application platform type, online loan credit limit estimation and other important data information.
Compared with the central bank's personal credit report, online lending big data has a wider scope and more diverse institutions. It is a part of personal credit records and a useful supplement to the traditional personal credit report.
If JD. COM's IOUs will not be returned for a month?
The white note has expired. If the IOU is not returned to JD.COM within one month, it will expire.
1, the lender's credit will be affected. If you have a bad credit record, you will encounter problems when you want to apply for other loans such as mortgage and car loan.
2. The lender will contact the lender by phone to urge the lender to repay as soon as possible, and the platform will also charge the lender a penalty interest, further increasing the lender's repayment pressure.