The subject wants to ask, "Can JD.COM apply for deferred repayment?" ? You can apply. Jingdong 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 the loan on time. Overdue repayment will affect the user's personal credit record. If a bad credit record is caused, it will affect the user's application for loans in other financial institutions in the future.