1. Bad credit record: overdue repayment will be recorded in personal credit report, which will become an important basis for credit reporting agencies to evaluate personal credit. This will lower your credit rating and affect the approval of financial products such as loans and credit cards in the future.

2. Limited credit line: After overdue repayment, JD.COM Baitiao may adjust your credit line management, reduce or freeze your credit line, and affect your shopping and installment consumption ability.

3. High penalty interest and liquidated damages: overdue repayment of JD.COM IOUs will result in high penalty interest and liquidated damages, which will increase your repayment burden and increase your debt amount.

Summary: JD.COM's overdue IOUs will have a negative impact on personal credit records, including bad credit records, limited credit line, high penalty interest and liquidated damages. In order to avoid unnecessary troubles and losses, users are advised to query credit big data through Eagle Heart Quick Search to understand personal credit situation and make reasonable financial management and repayment arrangements according to their own situation.

Extended data:

Credit records are records formed by banks, financial institutions and credit institutions according to personal credit behaviors such as repayment and lending. At present, the main credit institutions in China are the People's Bank Credit Information Center, the People's Credit Information Center and Hawkeye. By collecting, sorting and analyzing personal credit information, these credit reporting agencies assess personal credit risks and provide reference for financial institutions.

Note: The above answers are based on routine situations, and the specific impact may be different due to personal circumstances and policy changes. Users are advised to consult relevant financial institutions or credit reporting agencies for more accurate and detailed information.