Can JD.COM apply for a loan after overdue repayment?
The overdue repayment of JD.COM IOUs will have an impact on personal credit records, but it will not affect users' application for other loan products. If users need a loan, they can apply through Jingdong Financial APP or JD.COM Baitiao official website. The specific operation steps are as follows:
1. Open the Jingdong Financial APP or JD.COM Baitiao official website to enter the loan application page.
2. Fill in personal information and loan amount and submit the application.
3. Waiting for the audit result, you will generally give a reply within 1-3 working days. It should be noted that the loan application needs to meet certain conditions, such as a stable source of income and a good credit record. At the same time, the loan interest rate and amount will also be evaluated according to personal circumstances.
Can I still owe you money by using WeChat?
You can't use wechat to repay debts. The repayment of IOUs is supported by the small treasury (pocket money), my savings card and the repayment of others. There is no wechat repayment method. In addition, IOUs have no grace period for repayment, so users must repay on the repayment date, otherwise it will be regarded as overdue, and overdue records and overdue interest will be generated after IOUs are overdue.
Although the debt can't be repaid by WeChat, the debt can be bound to WeChat. After the binding is successful, you can use white bars on WeChat for offline and online payment.
To sum up, even if there are overdue conditions on JD.COM IOUs, you can apply for other types of loans. If users need to apply for other loans, they can apply according to the above steps.