There will be some problems when the amount owed by JD.COM is 20 days overdue. First of all, overdue repayment may lead to damage to credit records and affect personal credit rating. Secondly, there may be additional late fees or penalty interest, which will increase the repayment burden. Finally, if the overdue period is serious or long, legal means may be taken to recover the debt.

Summary: Overdue repayment may have a negative impact on personal credit, repayment burden and legal risks. It is suggested to pay off the overdue funds as soon as possible to avoid greater consequences.

Extended data:

JD.COM IOUs is a credit payment method introduced by JD.COM. Users can choose to pay by installment after shopping on JD.COM platform. Overdue repayment refers to the failure to return the due money within the agreed time. Overdue repayment will lead to personal credit record damage, affecting future credit applications and loan quotas. In addition, overdue repayment may also result in late payment fees or penalty interest, increasing the repayment burden. In serious cases, creditors may take legal measures to recover debts, such as through company collection or court proceedings.

Note: The above information is for reference only, and the specific situation may be different due to the credit status of regions and individuals. It is suggested to consult relevant professionals or contact JD.COM Baitiao customer service in time to obtain more accurate information and solutions.