Jiufu's IOUs will not all be forced to pay back. The operation process of Jiufu IOU shows that users need to fill in personal information, including identity information and bank card information, when using its services, but the filling of these information does not mean that users can get loans immediately. Users need to click Apply, and Jiufu's loan will enter the review stage, and payment will only be made after it is approved. Therefore, Jiufu IOU is not a compulsory application. However, some users have reported that when using Jiufu IOUs, the funds were forced to pay without a clear application, which may be fraud or system error in the use process. In this case, users should contact Jiufu IOU customer service in time and take corresponding measures to safeguard their rights and interests. To sum up, Jiufu IOU is not an application that will automatically force payment, but in some cases, users may encounter forced payment without applying. Users should be vigilant when using, avoid the disclosure of personal information, and deal with problems in time.