Detailed description:

1. The Credit Bureau is responsible for collecting and managing personal credit information, including overdue records of Jingdong Finance.

2. When borrowing money through Jingdong Finance or using financial services such as credit cards, overdue repayment for more than three months may be recorded by credit reporting agencies.

3. Credit records are very important for personal credit evaluation. If there are overdue records, it may affect the individual's credit score and ability to obtain other financial services.

4. As a legal financial institution, JD Finance usually clearly states the consequences of overdue behavior in the loan contract, including the possibility of credit investigation.

Summary:

To sum up, JD Finance will be credited if it is overdue for more than three months, which may have a negative impact on personal credit score and access to other financial services.

Extended data:

Credit information system plays an important role in China's financial industry. The borrower's credit record will be recorded in the personal credit report for banks, financial institutions and employers to inquire. In addition to JD Finance, other financial institutions, such as banks and credit card companies, will also submit credit reports if they are overdue for more than three months. Therefore, timely repayment is the key to maintaining personal credit.

Note: The above answers are only based on general laws and practices, and the specific situation may be different due to personal credit records, loan contract terms and other factors. It is recommended to consult professional financial institutions or lawyers to obtain accurate personal credit and credit information.