JD.COM White Strip is a consumer financial product launched by JD.COM Company. After passing the audit, the user will get a certain amount. JD.COM IOUs can be used for shopping in JD.COM Mall, and a few users with good credit can get the qualification to use JD.COM IOUs to withdraw cash. The appearance of white bars in JD.COM facilitates users' consumption, but there are also a large number of users who use white bars to overdue their purchases. Will JD.COM loans overdue be prosecuted in the future?
1.JD。 COM's overdue loan will be prosecuted.
If the user fails to pay after using the JD.COM White Bar, JD.COM Company will bring a lawsuit to the court after JD.COM and the third-party dunning personnel fail. After JD.COM Company files a lawsuit, the court will require the debtor to repay the principal, designated interest and service fee. If the debtor can't repay the debt, the court will freeze the fund accounts under the debtor's name according to law, including bank cards, Alipay and WeChat. Most of the legal proceedings of JD.COM Company are held in Beijing, the headquarters of JD.COM Company, and the debtor needs to go to Beijing to respond.
What should I do if 2.JD.COM's IOUs are overdue?
If you use the JD.COM IOU and fail to repay it within the time limit, the first thing to do is to actively raise funds to repay the arrears. If you can't repay the arrears within a period of time, you can negotiate with Jingdong Financial Online Customer Service and customer service staff first. The customer service staff will ask the debtor to submit relevant supporting materials. If the debtor's relevant materials meet the requirements, JD Finance will help the debtor to postpone repayment.
3. How to prevent legal risks when shopping with JD.COM white stripes?
When shopping with JD.COM white bars, the first thing to pay attention to is to live rationally within the scope of consumption. If you have no repayment ability, you should avoid using IOUs to guide consumption and prevent loans overdue. In addition, you should protect your personal data and prevent others from using it to open a blank account.
What if you owe JD.COM more than 10,000 IOUs that are overdue?
1, overdue penalty interest: JD.COM IOUs will incur penalty interest after they are overdue, and will be charged at the rate of 0.03% per day, which means that the interest of 1000 yuan overdue for one day will be 0.3 yuan, which will generate relatively high fees in the long run.
2. Impact on credit: Your credit record will leave a stain, leading to a decline in credit score. Finally, the system may shut down your white note service. Besides, JD.COM's IOU is a credit report. In case of malicious default on loans, JD.COM IOUs will report to the central bank's credit information system.
3. Accused: If the borrower fails to repay the loan within a certain period of time and refuses to return it after collection, according to the relevant provisions of the loan contract, JD.COM Baitiao can bring a lawsuit to the court. At this time, it is not just a question of not repaying the loan, but an economic violation.
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.
JD.COM Baitiao is the first Internet consumer finance product in the industry. "Pay first and then pay back", enjoy a maximum interest-free period of 30 days and a maximum of 24 installments. Log in to Baitiao official website or Jingdong Financial APP- Baitiao, and you can enter the page to apply for activation independently. JD.COM mall users are eligible to activate the "white note" for mall consumption.
JD.COM owes an IOU 12000 yuan. If it is overdue, it will be prosecuted. Is it true that they will be prosecuted?
Hello, I am a post-90 s teenager who has been engaged in the financial loan industry for many years. I'm happy to answer your question:
JD.COM IOUs belong to credit loan products, which were declared through personal credit reporting at the meeting. If it is simply overdue, it will only be overdue in personal credit information, which will have a negative impact on your own credit information and will receive overdue reminders from banks. As long as they repay in time, there will be no other impact;
If it is overdue for a long time, it is a malicious breach of contract and will be more serious. In addition to affecting credit information, there will be liquidated damages and a call from the bank. If the debt is not paid off after repeated collection, the bank will bring a lawsuit to the court. If you are really sued, you will send the indictment to the address you originally filled in or the address on your ID card, which will have a great impact on your reputation!
legal ground
Article 675 of the Civil Code stipulates that the borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.
Overdue loans are likely to be prosecuted for more than 90 days. For bank loans, it is a loan contract dispute, regardless of the amount, banks can go to court to sue for recovery. Many people have said: if I don't get a subpoena, will it be okay if I can't find it? That's not true. According to Article 144 of the Civil Procedure Law of People's Republic of China (PRC), if the defendant refuses to appear in court without justifiable reasons after being summoned by summons, or withdraws from court without the permission of the court, he may make a judgment by default.
Therefore, if you really can't repay, you can negotiate installment repayment!
After a long time, 12000 yuan may become 20000 yuan, or even more. Xiao Bai thinks that 12000 yuan is not too much, so he still has to find a way to return it as soon as possible to avoid adverse effects on himself. If I buy a car and a house in the future, it will be greatly affected, which is very unfavorable to myself.
I hope my answer is helpful to you, thank you!