When applying for suspension of payment, JD Finance needs to call the customer service staff in JD.COM in time, and take the initiative to negotiate repayment with the customer service in JD.COM, indicating the willingness to repay and explaining the reasons for its inability to repay.
Note that the reason for non-repayment here must be real, which really leads to non-repayment. 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.
JD.COM Baitiao is the first Internet credit payment product launched by JD.COM. It conducts credit evaluation through big data and provides credit payment services for users with high credit rating and consumer demand. Providing a consumption experience of "consumption first, payment later, real-time approval and arbitrary installment" has established Jingdong Finance's leading brand position in the consumer finance industry.
JD.COM Baitiao allows users to enjoy the service of paying first and shopping in installments in JD.COM Mall, with the longest installment of 24, and the execution interest rate is lower than that of bank credit cards. It has opened up O2O(JD.COM to the home), global purchase and product crowdfunding in JD.COM system, and gradually covered the fields of renting, tourism, decoration, education and wedding in the later period, providing credit consumption services for more consumers.
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.
"White Strip" has also 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, wedding, etc., extending from credit house purchase service to providing credit consumption loans, covering more consumption scenarios and providing credit consumption services for more consumers.
Can JD Finance apply for suspension of payment?
You can't. Stopping payment is a service provided by the issuing bank to credit card holders, which is not provided by JD Finance. After users use the loan business of Jingdong Finance, they need to repay on time. If there is no way to pay off in one lump sum, they can contact the official customer service of Jingdong Finance to negotiate the repayment business.
Extended data:
Jingdong Finance is a personal financial business brand under JD.COM Digital Technology Group, and has become a personal financial decision-making platform chosen by many users. Jingdong Finance takes platform, intelligence and content as its core competence, and cooperates with nearly 1,000 financial institutions such as banks, insurance companies and fund companies to provide users with professional and safe personal financial services.
Jingdong Finance has launched nearly 10,000 financial products such as white bars, funds, bank wealth management, small coffers, gold bars, small white cards and small gold cards, covering four business segments of wealth management, lending and insurance in stages.
On February 20 17, at the annual meeting of the group, Liu, CEO of the group, announced JD.COM. 12. COM's future strategy. In the field of financial business, Liu introduced that in the future, JD Finance will enter securities, credit reporting and banking, and will apply for its own bank or hold a bank. Judging from the goal of 20 17, the payment sector has been working hard.
Jingdong Finance has a fund agency license, an insurance brokerage license and an insurance agency license, and is a licensed fund and insurance product agency platform. At present, nearly 10,000 financial products of nearly 1,000 financial institutions are sold on the Jingdong financial platform, which has truly created a professional and safe "personal financial decision-making platform" for users. Product categories cover wealth management, lending and insurance, and are divided into four business segments.
The wealth management section provides users with many star wealth management products including small treasury, bank selection, regular selection, funds, gold and so on; The lending section provides users with personal financial services including consumer credit, cash loans and bank loans, as well as star financial products such as white bars, joint small white cards and gold bars; The staging section provides users with a large number of authentic big-name goods, supports various payment tools and staging methods such as white bars, credit cards and small coffers, and creates a zero-threshold/full-staging shopping scene.
The insurance sector provides users with life insurance, property insurance, endowment insurance, critical illness insurance, medical insurance, freight insurance, extended warranty and other insurance and related guarantee services, and can recommend insurance products according to the actual needs of users.
How to negotiate to postpone the repayment of JD.COM gold bars?
1. Log in to your own Jingdong Financial APP, then find the gold bar and click Enter;
2. Find the service page on the gold bar page, click the earphone in the upper right corner to enter the customer service page, then select online consultation and send "overdue negotiated repayment", and the system will give you the corresponding solution or let you call the manual customer service;
3. According to the prompt, if you are given a direct and feasible scheme, you can operate it directly. If you need continuous communication, you can turn to manual customer service, explain your situation and apply accordingly. Generally, the other party will not directly agree, but will report it for review, and then communicate according to the review results.
4. Take stock of your current arrears and income, and roughly plan out the monthly repayment amount you can afford or the time limit that needs to be extended. When you are ready, you can negotiate in detail when you communicate with customer service. The two sides have reached an agreement that you can repay according to the latest repayment time and amount.
The above is the negotiation process of deferred repayment of gold bars in JD.COM for reference. What we need to pay attention to is that if it is overdue, we must not evade repayment, let alone answer the phone and cooperate actively. Once this happens, JD.COM Gold Bar has the right to sue the borrower for more than 90 days.
Once sued, the borrower's credit status will be affected and he will have to bear more overdue penalty interest. Serious will be added to the list of dishonesty, affecting future life. Therefore, borrowing money must not exceed your repayment ability, so as not to be overdue. Even if it is overdue, we should actively cooperate to minimize our influence.