The credit reporting form of IOUs is personal consumption loans, and the reporting subject is Chongqing Liangjiang New Area Shengji Microfinance Co., Ltd.

1, the impact of default of IOUs

IOU is a payment product introduced by JD.COM. If you don't pay it back at maturity, it will produce a certain proportion of liquidated damages, and it may also have a certain impact on the user's credit and later use. In order to avoid inconvenience to users, repayment should be made according to the repayment date.

2. Benefits brought to users after the IOUs credit report.

A good credit record will help users get better financial services in the future.

Extended data

Malicious overdue, different from "Bai Hua", will be included in the central bank's credit information system, and JD.COM's "white note" malicious Lao Lai will face judicial proceedings. A few days ago, in the first civil lawsuit of JD.COM "white-striped" Lao Lai maliciously refused to pay for installment shopping, Lao Lai lost the case. "Those who refuse to execute after the judgment will enter the list of people who have lost their trust in the court, which will definitely have a negative impact on their future credit." The relevant person in charge of Jingdong Finance said.

The central bank's credit information system is simply understood as a personal credit database established by the central bank. Credit card, loan and telecom payment records will be recorded in this database, which is an important reference for the central bank to judge and approve personal loans and credit cards. Previously, only credit cards, loans and telecom payments were overdue and would be included in the credit information system.

In the future, the malicious overdue of the "flower garden" will also be included in the credit information system, which means that if the personal "flower garden" is overdue seriously, it will not be able to apply for car loans, mortgages and various loans and credit cards.

People's network -JD. Lao Lai, the "white note" of COM, blacklisted credit, and malicious people will face lawsuits.