Can JD Finance negotiate for repayment
JD Finance can negotiate for an extension of repayment. However, it should be noted that the repayment time of JD gold bars is fixed and cannot be changed without special circumstances. Under special circumstances, such as epidemics, diseases, unemployment and other practical reasons, borrowers who are unable to repay JD Gold can contact customer service to express their personal wishes to repay, and actively negotiate the practical reasons for their inability to repay if they are willing to repay. You can contact JD customer service to negotiate the reasons for repayment, but it is generally difficult to successfully negotiate. First, you can explain to JD customer service why you cannot repay the loan on time. If the reasons are sufficient and the attitude is sincere, JD customer service may agree to postpone the repayment or even reduce some interest, but cannot reduce the principal. If JD customer service disagrees, the borrower can only repay the loan as soon as possible, otherwise it will affect personal credit. The longer the overdue period, the higher the interest rate and the more severe the impact. In fact, if you feel that you are unable to repay, you should go to the platform to apply for installment payment as soon as possible to relieve your short-term financial pressure. Don’t wait until it’s too late to consider negotiating. This actually affects your personal credit.
1. JD Finance is a “one-stop” online investment and financing platform created by JD Financial Group. With the mission of "becoming China's most trustworthy Internet investment and financing platform", JD Finance relies on the powerful resources of JD Group to give full play to the advantages of integration and synergy. In September 2015, JD.com’s rural credit brand “Jingnongdai” was officially released. On November 4, JD Finance, Tencent and other institutions announced the formal establishment of the Internet Financial Security Alliance in Beijing. On January 16, 2016, JD Finance received 6.65 billion yuan in financing. In May this year, JD Finance announced the launch of a corporate financial service product - "Corporate Treasury". In January 2017, China UnionPay signed a strategic cooperation agreement with JD Finance, announcing that its payment company had officially become a UnionPay acquiring member. On the morning of July 12, 2018, JD Finance signed contracts with investors such as CICC, BOC Investment, CICC, and CITIC Capital, with a financing amount of approximately 13 billion yuan and a post-investment valuation of approximately 133 billion yuan. On September 17, it was renamed "JD Digital Department". The business purpose of JD Digital Technology is: from data to entities, connecting the financial and real industries through digital means, helping the financial and real industries realize Internet, digitalization and intelligence, thereby reducing costs, improving efficiency, improving user experience and model upgrades .
2. Create fair and inclusive social value. JD Digital Technology takes cutting-edge technologies such as big data, artificial intelligence, Internet of Things, and blockchain as its core. It uses digital technology to connect financial and real industries, help industries improve the level of Internet, digitalization, and intelligence, and promote the development of the real economy. Completed the layout of JD Finance, JD City, JD Agriculture and Animal Husbandry, JD Minority Owners, and JD Molybdenum Media, and achieved the integration of individual, enterprise, and government clients in terms of customer groups. Business Introduction JD Digital Technology will include sub-brands such as JD Finance, JD City, JD Agriculture and Animal Husbandry, JD Molybdenum Media, and JD Shaodongjia. JD Finance After the brand upgrade, JD Finance includes personal finance, corporate finance, financial technology and other sectors. Personal finance sector: Launched Baitiao, JD Pay, JD Small Treasury, and crowdfunding products. Is it better to negotiate with JD.com and Alipay to extend the repayment after the due date?
JD.com is relatively easier to negotiate. You can negotiate with the official directly. JD Finance is relatively easier to negotiate, but the plan is less friendly. It can only be divided into 12-24 installments, and it also requires a down payment of between 15-20%. The higher the number of installments, the more the down payment. But there is nothing you can do. Without negotiation and constant collection, it is relatively annoying for JD Finance to be overdue.
Depending on the amount, you can negotiate a one-time repayment after an extension of 1-2 years. However, it is still difficult to negotiate with someone personally. Customer service likes to refer it to a third party, so many people have been communicating back and forth, but without success. Of course, there are some people who get the plan quickly.
No matter what plan is negotiated, it can only be used as a relief. The most important thing is to increase one's income. How does JD Finance negotiate repayment
1. Online negotiation: Users need to open the Log in to the relevant software and find the online customer service, and then negotiate directly with the customer service staff. Open the JD Finance App, enter the "My" interface; click "My Customer Service", enter "Manual Customer Service", click Contact Customer Service; explain the reason why you cannot repay, and your good willingness to repay. Consult customer service and apply for repayment negotiation.
2. Telephone negotiation: Users need to call the relevant phone number of JD.COM to negotiate the repayment plan with the telephone specialist. Relevant customer service personnel will evaluate and review the repayment plan proposed by the user. After passing the review, the user can repay according to the negotiation results. Explain the reasons for the current inability to repay and express a positive willingness to repay. Note that the reason for the inability to repay here must be real and actually lead to the inability to repay. Baizhu customer service will make an assessment based on this and decide whether to agree to negotiate repayment. If it is overdue for a long time, Baizhu customer service will usually take the initiative to negotiate with you, but it is best not to wait for Baizhu customer service to take the initiative, because overdue interest has been increasing, which will also affect your credit standing. Second, JD.COM IOUs are personal consumption credit products issued by the JD.COM platform. It gives a certain credit limit based on the customer's credit evaluation, and customers can basically enjoy the payment method of "consumption first, repay later" within the credit limit. JD.com Finance is affiliated to JD.COM Digital Technology Group and is a software that provides financial loans to individuals. By 2021, JD Finance JD Finance has cooperated with nearly a thousand financial institutions and banks to launch nearly 10,000 financial products including IOUs, small vaults, co-branded small white cards, and gold bars. In actual economic life, the JD.com financial platform has the core competitiveness of platform, content, and intelligence, making it a leader among many financial service institutions. Can JD Finance negotiate repayment?
How to negotiate for a delayed repayment of Jingdong gold bars? How long will it take for Jingdong gold bars to be sued if they are overdue? Will they really come to you?
Jingdong gold bars can be negotiated to delay the repayment. However, it should be noted that the repayment time of JD gold bars is fixed and cannot be changed without special circumstances. Under special circumstances, such as: borrowers who are unable to repay due to actual reasons such as epidemic, illness, unemployment, etc., if they are willing to actively repay, they can contact JD Gold Bar customer service to indicate their personal willingness to repay and the actual reasons for their inability to repay, and proceed Negotiate.
Strictly speaking, as long as the borrower's gold bars are overdue, the gold bar platform has the right to sue the borrower immediately. But in actual situations, if the borrower's gold bar bill is overdue, the gold bar platform will not sue the borrower immediately. Therefore, prosecution requires a lot of time and manpower, and even the gold bar platform needs to bear prosecution fees.
According to the actual feedback from most users, when the borrower’s gold bars are overdue, the gold bar platform will have dedicated collection personnel to collect them. One month before the due date, collection is usually carried out through phone calls, text messages, etc. If the gold bar is overdue for more than 3 months, the gold bar collection staff will most likely choose to come to negotiate repayment.
If the borrower owes a large gold bar bill and the principal exceeds 10,000 yuan, the gold bar platform is likely to choose to sue the borrower after the bill is overdue for 3 months. Regardless of the collection method, the original intention of the gold bar platform is to recover the debt. As long as the borrower clearly expresses his willingness to repay, there is a high probability that he will not be sued.
Will you really come to your door?
If the borrower’s gold bullion bill is overdue for more than 3 months, collection agents will most likely choose to visit the borrower in order to collect the debt. However, according to the law, when collection agents come to collect money, they need to bring a third-party person as a witness, and they cannot use threats, intimidation, harassment or other means to collect money.
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Share with you the application conditions for Youqianhua: The application conditions for Youqianhua are mainly divided into two parts: age requirements and document requirements. 1. Age requirement: between 18-55 years old. Special reminder: Youqianhua declines to provide consumer installment loans to college students. If you are a college student, please give up the application. 2. Document requirements: During the application process, you need to provide your second-generation ID card and personal debit card. Note: The application only supports debit cards, and the application card is also your borrowing bank card. My identity information must be the second-generation ID card information. Temporary ID cards, expired ID cards, and first-generation ID cards cannot be used to apply. Online loans are risky, so be careful when choosing!