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What happens if JD.COM's IOUs are overdue?
“JD。 If the "IOU" fails to repay on time, it will have the following consequences:

1, affecting personal credit;

2. In case of liquidated damages, JD.COM White Bar Association will notify you by SMS to deduct a certain amount of liquidated damages;

3. Upload the record to the credit information system and leave a stain;

4. Close the account. If the repayment is overdue for more than 30 days, the account can be cancelled;

If it is serious, this user is not allowed to use it again.

JD.COM IOUs' failure to repay on time may lead to the suspension (or termination) of credit payment services or other related services, and may lead to the adjustment or cancellation of users' credit lines by the system. The system will apply to the relevant departments for investigation and bring a lawsuit to the court. The platform entrusts others to recover the loan from me, and demands to pay related installment service fees, liquidated damages and other expenses. The longer it is overdue, the more serious the consequences will be.

If JD.COM needs to repay after applying for IOUs, individuals need to open the mobile phone desktop first, then find the JD.COM App on the mobile phone desktop, click Open, then click my icon in the lower right corner, select IOUs on the left side of the wallet bar in my interface, and finally click the button to be returned on the left to select repayment.

“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.