1. Positive answer
Jingdong’s credit report will be filed if it is 3 to 15 days overdue.
2. Specific analysis
JD Baitiao is a small loan platform under JD Finance. Users can borrow and consume from JD Finance with a certain credit value, but users need to repay it on time. Overdue payments will cause late payment fees and interest, which will affect personal credit and have a great negative impact on future borrowings.
In order to maintain a good credit record, we must also pay attention to our own online loan big data in a timely manner. This can be done by: Beijian Quick Check, click Query, and you can see your own online loan big data Report to maintain good credit at all times.
3. How long does it take to eliminate overdue credit reports?
How long it will take for online loans to be cleared can be divided into the following three situations.
1. On the basis that the debtor pays off the debt, the following overdue records can be eliminated within two years: non-malicious, small-amount, and short-term overdue bad records.
For such overdue records, the Credit Information Center of the People's Bank of China will not make excessive records. For credit cards with the above bad records, as long as the cardholder uses the credit card normally and continuously for 24 months, the new good record will be Non-serious bad records from 2 years ago can be overwritten.
2. On the basis that the debtor pays off the debt, the following overdue records can be eliminated within five years: malicious overdrafts, large amounts, and overdue records of a bad and serious nature.
3. If the debtor never pays off the debt, the overdue record will not disappear.