Under normal circumstances, the IOUs will be submitted to the Credit Bureau within 3 days. If it is the first time for users who disturb wax to overdue, and the overdue amount is low, it may exceed 15 days.

If JD.COM's IOUs are overdue, it will face problems such as credit reporting, penalty interest collection and online collection.

“JD。 COM White Strip is a credit payment service that evaluates credit through big data and provides users with high credit rating and consumer demand. Users can enjoy services such as payment after use and installment shopping in Beijing Slow Sliding East Mall, with a maximum of 24 installments, and bills can also be repaid in installments. The lowest repayment rate and execution rate are lower than those of bank credit cards.

If the IOUs are overdue for about three days, they will be recorded in the personal credit report. However, users of JD.COM IOUs need not worry too much. Although JD.COM Baitiao has access to the credit report, the specific consumption details of users will not be reflected in the credit report.

Moreover, according to the access time of JD.COM Baitiao, users who opened Baitiao before March 2065438+2008 will not receive credit information for normal consumption repayment. Users who write IOUs on or after March 20 18 will report their credit information in the form of monthly bills.