JD.COM IOU billing date view method is as follows:
1. computer: use Lenovo Xiao Xin Air 14Plus 202 1 to open the computer version of jingdong finance (6.2.80), and click home-my assets-my IOUs-billing date.
2. Mobile phone: Open Jingdong Financial App(6.2.90) with HONOR HarmonyOS system version 2.0.0, and click Jingdong Financial APP- IOU-IOU Available -X Monthly Bill-Bill Date.
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JD.COM IOU repayment time rules are as follows:
First, the order system:
1. Orders with "No Installment" need to be repaid within 30 days after consumption.
For example, if you spend 65,438+0,2065,438+0, April 65,438+0,2065,438, you only need to pay this consumption on May 65,438 and 2065,438 at the latest.
2. Orders selected as "installment" need to be repaid before the last repayment date of each installment. If there is no corresponding repayment date in the current month, it will be the last day of the current month.
Special note: 65438+1October 3 1 will be paid in three installments, and the payment deadline for each installment is: February 28/29 (if any), March 3 1 and April 30.
Second, the bill system:
The current bill date will generate the current bill for the order amount consumed after the previous bill. Repayment date = billing date +9 days.
For example, users spend 1 in March and three IOUs in April, and the billing date of each month is 1.
① The consumption was 1 0,000 yuan on April 3rd, and the repayment date was May 10.
② On April 5th, the consumer spent 3,000 yuan in three installments, and the repayment dates were May 10, June 10 and July 10 respectively.
③ The consumer spent 2000 yuan on April 8th, and the repayment date was May 10.
④ March 3 1 daily consumption 1000 yuan, not in stages, and the repayment date is April 10.
JD.COM IOU, the main content of which is that consumers can apply for a personal loan of up to10.5 million yuan when shopping in JD.COM, and repay it in installments within 3-24 months. JD.COM IOU repayment is divided into two forms, one is 30-day interest-free deferred payment, and the other is 3- 12-month installment payment, with the maximum credit line of15,000 yuan.
Calculation of liquidated damages for IOUs
1. The penalty rate of the white-striped instruction system is 0.07% (day).
Calculation formula: total liquidated damages = total unpaid amount payable (all unpaid principal+all unpaid installment service fee) * liquidated damages rate * days of default.
For example:
Xiaoming spent 1 1,000 yuan on February 5th, and the installment service fee was 0.50%, and the penalty ratio was 0.07%. Take five days as an example.
Situation 1: There are no stages.
Xiao Ming's repayment date was March 17, but Xiao Ming didn't forget to repay until March 22, when Xiao Ming's liquidated damages were: 1000*0.07%*5=3.5 yuan.
Case 2: Order Staging
Xiaoming's order is divided into three phases. On March 15, Xiaoming forgot the first repayment date, and the repayment was made on March 20th. At this time, Xiao Ming's penalty is (1000+1000 * 0.50% * 3) * 0.07% * 5 = 3.55 yuan.
2. The penalty rate of the IOUs system is 0.065% (days).
If you fail to pay off the minimum repayment amount before the repayment date, the system will charge you liquidated damages on a daily basis.
The calculation formula is: total liquidated damages = total unpaid amount payable * liquidated damages rate * days of default.