Jingdong white bar one month overdue, will have the following consequences: white bar overdue record on credit, even if the settlement of the overdue record will be retained for 5 years, 5 years after the deletion of; overdue by the day to charge the default penalty; overdue white bar will call the phone, send a text message to call; overdue period of time white bar can not be used normally; resulting in the inability to apply for other borrowing products and so on.
In a word, the consequences of overdue white strips are quite serious, users are requested to pay off the outstanding amount of white strips as soon as possible to reduce the impact of overdue records on credit.
Expanded Information:
Jingdong Baijiao: "Jingdong Baijiao" is the industry's first Internet credit payment product, which allows users to enjoy the consumer experience of "consume first, pay later, real-time approvals and installments at will", quickly becoming an industry model and laying the foundation for the leading brand in the consumer finance industry, Jingdong Finance. The company's credit payment products allow users to enjoy a "first-consumption payment, real-time approval, easy installment" consumer experience, quickly becoming a model for the industry and establishing Jingdong Finance as a leading brand in the consumer finance industry.
In terms of positioning, "Jingdong Baijiao" is a credit payment service for users with a high credit rating and consumption needs through credit assessment based on big data. Users in the Jingdong Mall to enjoy the first use after payment and installment shopping services, up to 24 installments, bills can also be installments and minimum repayment, the implementation of interest rates lower than the bank credit card. Jingdong Finance consumer finance opened more than 100 million users.
Since then, the "white bar" also through the Jingdong system within the O2O (Jingdong to home), global shopping, product crowdfunding, and later gradually covered the rental, tourism, decoration, education, wedding and other areas, from the credit purchase services to provide credit consumption loans, covering more consumer scenarios, to provide more consumers with credit The company's business is also a major player in the market for consumer services.
Jingdong Baijiao's service scenarios have been gradually extended, cooperating with nearly 10 million merchants online and offline, covering the life and entertainment, business travel and tourism, education and training, communications and leasing industries. In addition, it has cooperated with banks on joint e-accounts "White Bar Flash Pay", expanding white bar payment to offline through NFC technology, and further broadening the use of white bar payment scenarios by binding WeChat Pay.
In March 2019, more than 200 people have been convicted and sentenced for using "Jingdong White Bar" fraud, according to statistics from the referee's website. The average age of the 107 defendants was 28 years old, according to the age disclosed in the judgment. College student defendants accounted for nearly half of the Jingdong Baijiao fraud cases sentenced by two courts in Changsha. The defendants were sentenced to a maximum term of 19 years and an average term of 2.35 years. In addition, the judgment mentioned more than 362 college students who were defrauded, making them a more conspicuous group of victims.
What happens if you are one month overdue on Jingdong Baijiao?
Jingdong white bar is a credit product, such as bill-based white bar did not pay off the minimum repayment amount before the repayment date, order-based white bar did not pay off the amount before the repayment date will result in overdue. White bar late will cause the following consequences:
1, late penalty interest: if you do not pay off the minimum repayment amount before the repayment date, the system will charge you a daily penalty, the current Jingdong white bar late fee rate of 0.07% / day, overdue will be charged a daily penalty.
The formula for calculating the late fee for bill-based white strips is: total default fee = total unpaid amount due x default fee rate x number of days in default; the formula for calculating the late fee for order-based white strips is: total default fee = total unpaid amount due (all unpaid principal + all unpaid installment service fees) * default fee rate * number of days in default.
2, overdue processing: white after the overdue will not be able to participate in white activities, and will retain your default information to the relevant government administration, industry supervision and management agencies or other legally established credit management agency's right. If you are overdue for a long period of time, you may not be able to use the white label and receive reminders of collection. We recommend that you maintain good spending habits and operate repayments on time so that you can accumulate good credit and enjoy better financial services.
What happens when you're a month overdue on Jingdong Baijiao? First of all it will incur overdue interest, because according to the provisions of the Jingdong White Bar, repayment can be delayed for 30 days, if the time exceeds the time will be in accordance with the charges will incur the corresponding fees, and their charges will be as you are overdue for more and more time, the standard will be more and more high. Secondly Fishfin will also have an impact on your personal credit, an impact that will be removed after a period of time after you have paid off the white bar. If you have not been repayment will have a great impact, then specifically will all have what impact it, today here to give you a little bit of it.
The 1st point affects personal credit.
If you don't pay back for a long time, it will leave a stain on your personal credit, and these stains will follow you for a long time, during which time you will become a blacklisted user of each bank. It will be very difficult to get a credit card or apply for a loan. And blacklisted users are ****ed between banks.
The 2nd point could lead to legal liability.
If you owe a large amount of money, then you will be sued if you fail to pay for a long time, and eventually you will be sanctioned by the law, which will legally seize all the properties in your name.
The 3rd point faces collections.
If you don't pay back at first, the situation is still not serious, they will call you to remind you or send a text message to your friends or family. If you have been delinquent for a longer period of time, they will take action and will come to your home to collect. Either of these two things can have a very bad effect on us. If it happens, it may be very embarrassing for us in front of our family and friends.
Point 4 Bear high late fees.
After you start being late you will incur fees. And late fees are not the same as your interest rate, the two will accrue, and the charges are not low enough that you may end up not being able to pay them off.
The above is my full answer to this question, I hope it will be of some help to you, thank you.
What will happen if you don't pay back Jingdong White Bar for a monthJingdong White Bar will have the following results if you don't pay it back one month after the overdue date:
1. The system may automatically lock your White Bar account after the overdue date, and you can't use it to spend money after locking it;
2. It will have a negative impact on your credit after the White Bar is overdue;
3, If you do not pay off the minimum repayment amount before the repayment date, the system will add a daily default fee in addition to the daily service fee. In addition, after the white bar overdue Jingdong will be through the station letter, cell phone text messages, e-mail, telephone reminder, send letters, door to door visits, judicial channels and other ways to remind the repayment, if necessary, will also be entrusted to external agencies to remind.
Beingdong white bar overdue will also affect the user's net black index score, if the net black index score is too low. Net black index score standard is 0-100 points, the higher the score, the better the credit, when the score is lower than 40 points belongs to the online lending blacklist. A low net black index score will not only affect the success rate of online lending, but will also affect the user's Chanting and Borrowing amount, and even lead to the Chanting and Borrowing being shut down.
The impact of online lending blacklisting on an individual is that it is difficult to get approved for a new loan. The fact is that the actual fact that you've got to be able to get a good deal of money from the internet is not a good thing, but it's a good thing that you've got to be able to get a good deal of money from the internet. Long-term application for online loans must pay attention to their own online loan big data, to prevent because of blind application into the online loan blacklist.
Just WeChat search: sky data. Click on the query, enter the information can be queried to their own hundred lines of credit data, the data from the country's online lending platform and the UnionPay, the user can query their own big data and credit situation, to find this small program that you can get all kinds of indicators of the data, query to their own personal credit situation, blacklisting situation, online loan application records, the type of application platforms, online loan credit limit estimate and other important data information.
Compared with the central bank's personal credit report, the scope of the online loan big data is more extensive, the issuing organization is also more diversified, belongs to a part of the personal credit record, is a useful supplement to the traditional personal credit report.
What happens if you don't pay back Jingdong White Bar for a monthWhite Bar overdue. If a month did not pay the Jingdong white bar will be overdue,
1, the lender's credit will be affected, with a bad credit record later want to apply for home loans, car loans and other loans will encounter problems.
2. The lender will contact the borrower by phone to urge the borrower to repay the loan as soon as possible, and the platform will also charge the borrower a penalty interest, which will further increase the borrower's repayment pressure.