1. The official reply of Jingdong Finance said that all overdue cases were reported truthfully, and users who used them said that they would report them several hours after the overdue, which means that there is no grace period for gold bars to repay. Of course, the specific situation is subject to the personal credit report, and different lending institutions may be different.
Second, users are advised to pay back the overdue 1 day, because in addition to credit reporting, the platform will also charge corresponding penalty interest at a rate of (0.06%-0. 15%), and no additional daily interest will be charged after the penalty interest is collected.
Three. Some users also said that the repayment of JD.COM Gold Bar was reported to the credit information platform without notice, but the loan situation of the users who responded according to the platform was reported by the cooperative investors, so it was "impossible to inform". Then users are advised to pay attention to setting repayment reminders, log in to Jingdong Financial APP, click on the gold bars on the home page, find their own loan records, repay in time, and pay more attention to the record changes of personal credit report.
4. After paying off the debt, you can call the customer service of JD.COM Gold Bar to explain the situation, indicating that you didn't mean to be overdue. It's best to submit proof that you didn't do it maliciously and see if you can apply for a special application. If the special application is passed, no credits will be reported. However, the probability of successful appeal is not high, because Jingdong Finance announced that measures will be taken after the deadline 1 day.
The overdue repayment of 5.JD.COM Gold Bar is 65,438+0 days. Users only need to settle the arrears immediately. At this time, the repayment amount can generally be recovered in real time, and the gold bars can continue to be used normally. Although overdue records will be collected at the meeting, after the gold bars are settled, you can apply for a non-malicious overdue certificate from the gold bars to minimize the overdue impact of users.
Of course, in the process of using gold bars, users must pay attention to repayment on time. Every time they are overdue, their comprehensive credit score will be reduced.
6. One day overdue, JD.COM gold bars are indeed temporarily unavailable to customers. After all, JD Finance has access to the central bank's credit information system. Once it is overdue, it will leave a bad record on the personal credit report, which will damage personal credit, thus restricting the use of gold bars (after all, every loan needs to be audited and evaluated, and once the customer's credit is found to be problematic, it will naturally refuse to approve the loan).
7. However, it should be noted that gold bars cannot be used for a period of time after they are overdue, which does not mean that they cannot be borrowed in the future. As long as the customer pays off the overdue debt quickly, and then takes the time to repair the damaged credit, when the credit is well maintained and the comprehensive evaluation of the system reaches the standard, the loan should be resumed (it is recommended to wait for three to six months).
Of course, customers should develop the good habit of paying back on time at ordinary times, and try to avoid overdue situations and affect loans. Once overdue occurs, we must find a way to pay it off as soon as possible, otherwise the credit damage will become more and more serious and we will never want to borrow it again.