Users can use IOUs to pay when shopping on JD.COM website or spending online in physical stores. When you make an IOU, you can enjoy deferred payment within the account period or the longest 24 installments.
Transfer is not supported for IOUs, and IOUs of some users cannot be withdrawn. White bars can only be withdrawn by users with withdrawal entrances.
Don't take it lightly when online loans are overdue. In addition to being collected, personal credit will also be affected, especially online loans with credit information. Once there is such an overdue record, it will seriously affect the handling of bank loans and credit cards in the future. Even if the processed online loan cannot be credited, you can access big data. You can check your online loan history, overdue details of online loans, liabilities, untrustworthy information and online loan blacklist in Xiaoqi Credit Information.
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What happens if JD.COM's IOUs are overdue?
If JD.COM's IOU is overdue, the platform will handle the user as follows.
1. Upload overdue records.
JD.COM Baitiao has been docked with the People's Bank of China for credit information, while JD.COM Baitiao is an online loan product, which has also been docked with online loan big data. After the arrears are overdue, the overdue records will be uploaded to personal credit information and online loan big data.
2. Encounter collection harassment.
After JD.COM's IOUs are overdue, the platform will automatically send SMS for collection. Short message collection has no effect, and there will be a collection staff calling for collection.
3. Additional overdue penalty interest.
After JD.COM's IOUs are overdue, the system will charge overdue interest according to the number of overdue days.
4. sue users directly.
When the overdue situation is serious, JD.COM White Bar can directly sue the user.
5. Close the IOU account.
After the overdue IOUs expire, users will not be able to use the overdue IOUs. With the extension of overdue time, the system may directly close the IOUs account. After the IOUs account is closed, users need to reopen IOUs.
6. Gold bars cannot be used.
The overdue record of white bars will also make gold bars unusable. When applying for a loan, you need to authorize JD.COM Gold Bar to inquire about the personal credit report. If there are overdue records of IOUs in personal credit information, users will not be able to pass the loan review in JD.COM.