First, online consultation:
1. Users need to open and log in to Jingdong Financial App No.1;
2. Enter the "My" interface;
3. Click "My Customer Service" to enter "Manual Customer Service".
4. Click to contact customer service, explaining the reasons why individuals can't repay and their good willingness to repay;
5. Consult customer service and apply for repayment negotiation.
2. Telephone negotiation: The user needs to call the relevant telephone number of Jingdong Finance to negotiate the repayment plan with the telephone specialist. Relevant customer service staff will evaluate and review the repayment plan proposed by users. After approval, users can make repayment according to the negotiation results, explain the reasons why individuals are unable to repay, and express their positive willingness to repay. Customer service will evaluate it accordingly, and then decide whether to agree to negotiate repayment.