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What will happen if JD.COM has white stripes for more than three months?
First of all, answer directly.

JD.COM IOUs overdue for three months will cause penalty interest, restrict the use of JD.COM IOUs, affect personal credit information, affect other loan applications, and affect normal life.

Second, the specific analysis

1, resulting in penalty interest. If the user fails to repay the loan after the repayment date in JD.COM, penalty interest will be generated according to the actual overdue days. The longer the time, the more penalty interest will be generated, which will increase the repayment pressure of users.

2. Restrict the use of white stripes in JD.COM. If the JD.COM White Strip expires during its use, the system may restrict users from using the JD.COM White Strip.

If it is overdue for more than 3 months, you may not be able to use JD.COM IOUs even if you apply again after repayment.

3.JD.COM White Strip is a loan product connected to the central bank's credit information center. Once the user is overdue, the corresponding overdue time will be displayed on the user's personal credit report. If the loan is overdue for 3 months, the marks of "1", "2" and "3" will appear on the loan record, and the negative record caused by overdue will only be eliminated after 5 years of repayment.

4. Loan information that affects online loan big data users will be recorded in big data. If it is overdue in the process of using JD.COM IOUs, the overdue information will not only be uploaded to the central bank's credit information center, but also recorded in a large database, and then relevant negative information will be found when applying for loans through the online platform.

5. JD.COM IOUs that affect other loan applications will be reported to the central bank's credit information center after they are overdue. Finally, the user's credit report shows that they are overdue. If there is still loan demand in the future, it will be difficult to pass the loan application again.

If these loan products are to be used normally, it will take a long time for users to make up their credit rating.

6. Impact on normal life If JD.COM's overdue loan is particularly serious, and the repayment is fruitless after being urged by Jingdong Financial Customer Service, and the amount is large, it is likely to be sued by the people's court and included in the list of untrustworthy people, which will not only freeze the user's assets, but also have a great impact on travel, consumption and work, and even face imprisonment.

If you don't know your online loan application, you can try to get the big data report of Xiaoqi Credit Information, check your detailed loan record, and then confirm that you borrowed the money yourself. At this time, you should pay off all the money you owe, and then contact the customer service of the corresponding platform to let them handle it and see if the blacklist of online loans can be eliminated.

3. Does the overdue white strip affect the use of Alipay's flower buds?

The expiration of white bars mainly affects the use of white bars and gold bars, and the flower buds are not affected.

Bai Hua refers to the user's sesame credit and Alipay account usage, and Bai Hua does not refer to it.

Therefore, no matter whether the overdue situation is serious or not, users can use the flower buds normally.

And the flowers have expired, which will not affect the white stripes.

In addition, please repay the overdue debt as soon as possible, so as to delete the overdue record of the debt as soon as possible, and prevent the overdue record from forming a credit stain in the credit investigation, resulting in the inability to handle other credit business in the future.