The repayment method of JD.COM IOUs includes automatic deduction, but it needs to be set by users themselves. Enter a blank, select Repayment, and then select Automatic Repayment. Automatic repayment will take effect only if you agree. After choosing automatic repayment, you can also choose active repayment before the repayment date or the repayment date, and there will be no conflict between them, as long as you successfully repay in any way.

Will JD.COM repay the loan automatically?

JD.COM IOUs can be repaid automatically. After the user opens the automatic repayment, in order to avoid the failure of deduction due to network delay and other reasons, IOUs will run the deduction one day before the repayment date. As for automatic deduction, it is supported to deduct money from Jingdong Small Treasury and my bank card. In addition, automatic repayment and voluntary repayment of IOUs do not support credit card (debit card) repayment.

Some users who activate IOUs in the small vault do not support the IOUs automatic repayment function. Please refer to the page display for details.

Is JD.COM IOU automatic repayment?

JD.COM IOU is not automatic repayment. Automatic repayment requires users to open the settings themselves. If automatic repayment is not set, users need to repay manually. After automatic repayment is enabled, the system will automatically deduct money on the repayment date, and even if the user forgets to repay, it will not lead to overdue IOUs. Since there is no repayment grace period for IOUs, automatic repayment is required.

After all, users forget to repay, which will lead to overdue records of IOUs, leading to poor personal credit reporting.