JD Finance can negotiate to delay repayment, but the pass rate is not high. Users can explain to JD.COM customer service why they can't repay on time. If the reason is sufficient, JD.COM Customer Service may allow the repayment to be delayed or even reduce some interest. However, if the customer service in JD.COM does not agree, the user will have to repay as soon as possible. If the delay in repayment causes loans overdue to deduct a certain contract penalty, and loans overdue will affect the user's personal credit record, if it causes bad credit record, it will have a certain impact on the user's application for loans in other financial institutions in the future. The above is the related content of whether Jingdong Finance can postpone repayment. Why is JD Finance unable to provide services for the time being

1. Reduced credit score: If users don't often buy things or invest in JD.COM, the asset level will be reduced in a short period of time, investment and wealth management products will be sold in large quantities, and personal credit performance ability will be poor, which will lead to reduced credit score, thus affecting the use of JD Finance;

2. Poor usage record of the platform: there is a bad online shopping record in JD.COM Mall, and frequent exchange and bad reviews will lead to the inability to lend a quota or temporarily unable to provide services; When Jingdong Finance uses the loan, there are several or serious overdue records, which will show that it cannot provide services;

3. The system is being upgraded: when the financial system of Jingdong is in a state of update, maintenance and common failure, it is likely to cause a reminder that the service cannot be provided temporarily. At this time, just wait for a while and try to apply again. How to cancel the account of Jingdong Finance

What users need to pay attention to is that the cancellation account of Jingdong Finance cannot be applied for on the mobile phone APP. There are two main ways to cancel the account of Jingdong Finance. One is to directly dial the official customer service phone number of Jingdong Finance to apply for cancellation of the account. At that time, the user will receive an email from the online customer service staff, fill in the "cancellation application form" as required and sign it. The other way is to apply for account cancellation by logging in to the PC terminal of Jingdong Finance, but this kind of account cancellation method requires users to submit their personal ID numbers, which will involve the privacy and safety of users. This article mainly writes about the knowledge points about whether Jingdong Finance can postpone repayment, and the content is for reference only.