1. As Jingdong Finance is connected to the central bank's credit information system, if a customer has overdue behavior when using JD.COM IOUs, or IOUs are cashed out, they will report to the central bank's credit information system, which will leave a bad record in the personal credit information report and affect personal credit information. In this case, if you go to the bank to apply for a mortgage loan, the bank will find bad records in the borrower's credit report, and may refuse to issue the loan on the grounds that the borrower's credit is problematic and there is a risk of overdue. Therefore, when customers use JD.COM IOUs, especially when repaying JD.COM IOUs, they must pay attention to regulating their own behavior, paying attention to the repayment period, forming a good habit of repayment on time, and avoiding overdue behavior, so as not to affect their personal credit and cause adverse effects on themselves.
2. ① JD.COM's relevant regulations on IOUs credit reporting. First, ordinary IOUs cannot be used for credit investigation for the time being, and others can be used for credit investigation. Second, any overdue records will be uploaded to the credit information system. Under the current credit evaluation system, even if the repayment is made on time, the bank's risk control system still holds a negative attitude towards such small consumer loans, so those friends who often use IOUs need to adjust their consumption patterns in time.
(2) The credit information of 2)JD.COM IOUs is unfavorable to users. Each of us will get a report at the Credit Information Center of China Bank, which is based on the objective records of each citizen's repayment record, contract performance, law-abiding situation, and a comprehensive evaluation report on their credit performance ability. The Credit Information Association will serve as the basis for other loan-related business applications in the future.
(3) If the overdue amount is small and the time is short, you can contact the customer service of Jingdong Finance Baitiao by phone first, and sincerely ask the customer service of Baitiao not to report the credit information to the bank, and say that it will repay the arrears and interest immediately. If it is overdue for a long time, which has adversely affected the credit record, only remedial measures can be taken at this time. The general process is the same as the overdue credit card, that is, paying off the arrears and overdue interest, then using the JD.COM account normally for one to two years, maintaining a good credit record and trying to make up for the previous bad credit record.
In short: in the long run, after the personal credit information system is fully networked, every point of our daily consumption can constitute our personal credit, which is a useful supplement to the whole social credit system. However, it should be noted that with the improvement of the national credit information system, everyone must abide by laws and regulations in the process of credit consumption and enjoy more convenience in timely repayment.