Details are as follows:

1. Credit card overdue problem: JD.COM IOUs are similar to credit cards, and ten days overdue will have a negative impact on personal credit. Banks or financial institutions usually report overdue records to the central bank's credit information system, which may lead to lower credit evaluation of other financial institutions.

2. Overdue interest and liquidated damages: After overdue repayment, JD.COM IOUs may charge high overdue interest and liquidated damages. These extra expenses will lead to a rapid increase in arrears and increase your financial burden.

3. Third-party debt collection: In case of overdue repayment, JD.COM White Bank may entrust a third-party agency to collect the arrears. These debt collection companies may use intimidation, threats or even harassment to urge you to repay.

Summary: JD.COM's debt overdue for ten days is very serious, which may lead to personal credit damage, accumulate high fees and face the trouble of third-party debt collection. Timely repayment is the best way to avoid these problems.

Extended data:

JD.COM White Strip is a consumer credit product provided by JD.COM Mall. Users can choose to pay by installment or postpone repayment after spending on JD.COM platform. Overdue repayment will bring a series of adverse consequences, including the impact on credit records, extra expenses and debt collection by third-party institutions.

note:

The above answers are based on domestic financial common sense and are applicable to domestic users. The specific terms and policies of JD.COM IOUs may change. Please refer to the latest official information released by JD.COM. If you encounter the problem of third-party debt collection, it is recommended to contact JD.COM customer service or consumer rights protection platform for professional help.