1. Small repayment.

after the JD.COM credit card is overdue for 4, yuan, if the borrower is really unable to repay, don't evade repayment, and you can selectively repay some and small bills into the JD.COM credit card every month.

For example, you can repay 1-5 yuan every month to prove your willingness to repay, so as to avoid being sued by JD.COM credit card to the greatest extent.

Although a few hundred yuan may not be enough to repay the interest of 4, yuan, it can give JD.COM credit cards a better impression of borrowers, and may be able to successfully apply for credit card repayment.

2. negotiate repayment by credit card.

If the credit card in JD.COM is overdue for 4, yuan, and it is unable to repay, you can apply to JD.COM Credit Card for negotiation of repayment.

generally speaking, the borrower can apply for repayment through negotiation if the payment is overdue for 3 months and the collection personnel have failed for 3 times.

If the assessment is passed, you can re-installment, reduce interest, delay repayment, etc.

If the assessment fails, the borrower should not lose heart and can find other ways to reapply.

3. Mortgage personal assets.

to mortgage personal assets, the borrower needs to have some large, value-added assets.

such as cars, houses, etc.

You can take more valuable and value-preserved items to the bank for mortgage, in exchange for a sum of money to repay the debt of 4, yuan of JD.COM credit card.

if you don't have a large amount of property that can be realized, you can also choose to pledge insurance policies, bonds, stocks, etc. recognized by the bank, or exchange them for a sum of money.

4. Waiting for court assistance.

JD.COM's credit card is overdue by 4, yuan. If it is overdue for more than three months, JD.COM officials are likely to sue the borrower.

After being sued, the court will initiate an investigation, and before the trial, it is highly probable that an opportunity will be organized to negotiate repayment privately.

Borrowers can also seize this opportunity to re-calculate their bills in installments.

5. Ask friends and relatives for help.

If the repayment fails after the deadline and negotiation fails, the borrower can also try to ask for help from his family or friends.

generally, the amount owed by online loans is not very large, and family members can pay it back together.

After that, the borrower must increase revenue and reduce expenditure, and slowly repay the debts of friends and family.

You can get the online loan big data report from "Beijian Quick Check", which includes information such as online loan history, overdue details of online loans, liabilities, untrustworthy information and blacklist of online loans.

Extended information:

How can I get a loan if my credit card is overdue?

if your credit card is overdue, you can apply for a loan in the following ways.

1. applying for private lending, some private lending institutions are not connected to the credit information system, because they will not check the borrower's credit information report. Even if the borrower's credit card is overdue, private lending institutions will not care. As long as the borrower can provide income proof, bank card running water and other information to prove that they have stable solvency, they may approve the loan.

2. The borrower who provides mortgage loan has paid back the money after the credit card is overdue, and the credit rating is not serious, and it has not reached the point where it is overdue for three times and six times, as well as bad debts and compensation. He can mortgage the assets in his name, such as houses and cars, to the lending institution to obtain loans, up to 8% of the assessed price of the collateral.

3. The borrower who provided the pledge loan has paid off the overdue credit card debt. Even if there is a bad credit record in the credit investigation, the lender may apply for a loan with the pledge such as bonds and deposit slips. Because there is a pledge mortgaged in the lender, the borrower will not easily fail to repay the loan unless he doesn't want to get the pledge back.

4. The borrower who finds someone to guarantee the loan can pay back the arrears after the credit card is overdue. As long as the credit rating is not serious, he can find friends and relatives with excellent credit conditions to guarantee himself. If the other party can mortgage the assets under his name to the lending institution and share the repayment responsibility with himself, the greater the probability that the lending institution will approve the loan.

5. The credit card of the borrower who borrowed with others * * * is overdue and has been returned before the loan, and it is not a black account of credit investigation. Even if there are overdue records that have not been eliminated from the credit investigation report, you can find a well-qualified relative and friend to lend with * * *, and the other party will be the primary lender and the secondary lender. If both parties have repayment ability, the lending institution may approve the loan.

6. Borrowing a loan from someone else's identity is actually to let friends and relatives who meet the loan requirements handle the loan, and then transfer the loan funds to their own use, and they are responsible for repaying the loan.

In this way, the lending institution will only inquire about the credit conditions of the actual lender, even if the credit card of the actual user of funds is overdue, it doesn't matter.