Dongbiaotiao is a payment tool launched by Jingdong Finance, which can be used to pay first and then repay. Users who open IOUs can use IOUs to overdraw when shopping in JD.COM Mall. This way of shopping provides people with more convenience, and some friends will accidentally miss the repayment date in the process of using IOUs, resulting in overdue. Many friends are very concerned about whether the IOUs are related to the central bank's credit information.
JD.COM Baitiao is a credit tool launched by JD Finance that can be overdrawn in advance. Its essence is similar to the familiar credit card. It can be said that JD.COM White Strip is a virtual credit card product. As Jingdong Finance is connected with the central bank's credit information system, JD.COM Baitiao also received credit information at the meeting.
The IOUs are not only overdue, but also users normally use IOUs in JD.COM, and their usage records will be uploaded to the central bank's credit information system. However, users don't have to worry too much about the credit information on the IOUs, because JD.COM IOUs will not upload every consumption record to the credit information system, but report the credit information in the form of monthly bill summary.
JD.COM's IOUs are only connected to the credit information system according to regulatory requirements. After all, the formal loan platform has been connected to the credit information system. Therefore, in the process of using IOUs, you don't need to worry too much about the credit information at the IOUs meeting. Normal use of IOUs in JD.COM will not have a negative impact on your personal credit information.
However, if the user fails to repay the loan within the specified repayment period during the use of JD.COM IOUs, the overdue records will be uploaded to the central bank's credit information system, which will have a negative impact on our personal credit. Therefore, in the process of using JD.COM IOUs, we must keep a good repayment record to avoid overdue behavior.
After using JD.COM White Bar, if the user is temporarily under repayment pressure and can't repay in full, then in order to avoid the adverse effects caused by overdue, the user can choose to repay in installments or with the minimum repayment amount to avoid overdue due to inability to repay. It is recommended that you use credit products reasonably at ordinary times to avoid the repayment burden caused by excessive overdraft.
Will JD.COM IOUs Affect Credit Information?
JD.COM's IOUs will affect the credit report. JD.COM IOUs are connected with the central bank's credit information system. If the user is overdue, JD.COM Baitiao will report the overdue record to the credit information system. In this way, the user's personal credit report will be tainted, which will affect personal lending in the future. After paying off the loan, the credit record is kept for five years. If the user is overdue for more than three months and the amount is large, he may be sued by JD.COM.
Extended data
JD.COM White Bar 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 has quickly become 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.
Does JD.COM borrow money to withdraw credit information?
JD.COM borrowed money to withdraw cash for credit investigation. White bars are used for credit reporting on a monthly basis, and the status of individual orders will not be displayed in the credit reporting. In the credit report, the white note is shown as Chongqing Liangjiang New Area Shengji Microfinance Co., Ltd. If you see the company's credit record, then the information of the white note has been uploaded to the credit report.
In addition, the withdrawal shall not be repaid in installments, and the withdrawal principal and daily interest will be included in the minimum repayment amount of IOUs.
Will JD.COM's IOUs affect credit reporting?
JD.COM's IOUs will not affect the credit investigation. Now Alipay IOUs and JD.COM IOUs will be counted as credit cards, which will appear in your credit report and will be displayed in the credit record. As long as you are not overdue, it will not affect your credit information.