What is the best way to repay an overdue Jingdong I-Tiao?
Call Jingdong 95118 to negotiate repayment.
After the borrower is overdue, he can contact JD Financial online customer service. Steps: JD Financial APP-My-My Customer Service-Online Consultation, transfer to manual customer service to ask for a second installment request; or call 95118 directly The customer service call said they needed to negotiate for repayment.
Things to note when negotiating repayment are:
1. Users can call JD.com or the online customer service number in the JD.com Finance APP, contact JD.com Finance manual customer service, or call directly 95118 You can also explain your financial situation to the other party and your inability to repay. It is best for the user to provide certain auxiliary information to prove his repayment status, so as to prove that he did not intentionally fail to pay back the money, but It is really impossible to repay;
2. Users should actively express their intention to repay, and then propose to customer service to extend the repayment time and repay the debt in installments. The specific repayment method can be determined by the user according to their own needs. Depending on the financial situation and repayment amount, if reasonable, gold bars may be dealt with accordingly. If the first negotiation is unsuccessful, the user can modify the repayment method and apply again.
Users need to note that if the gold bars cannot be negotiated for repayment, they can only find ways to raise money to repay them. They can borrow money from relatives and friends, and then pay them back when they have money. . The above is the relevant content on how to negotiate repayment of Jingdong gold bars. How to negotiate for deferred repayment if JD.COM IOUs are overdue
JD.COM IOUs are personal credit products. JD.com Finance reserves the right to provide your default information to relevant government departments, industry regulatory agencies or other credit management agencies established in accordance with the law. right. It is recommended to maintain good consumption habits, repay loans on time, accumulate good credit, and enjoy better financial services. JD.COM IOU is a payment product launched by JD.COM. You consume first and pay later. If you do not repay when due, a certain percentage of liquidated damages will be incurred, and your credit and later use may also be affected to a certain extent. To avoid any inconvenience to you, please repay according to the repayment date. Expired IOUs will have the following consequences: 1. Overdue penalty interest: If the minimum repayment amount is not paid off before the repayment date, the system will charge you liquidated damages on a daily basis. The current overdue rate of JD.COM’s white notes is 0.07%/day, and liquidated damages will be charged on a daily basis. The calculation formula for overdue fees for making IOUs is: total amount of liquidated damages = total amount payable × liquidated damages rate × number of days of default; the calculation formula for overdue fees for making IOUs is: total amount of liquidated damages = total amount payable (all unpaid principal and all unpaid installment services fee)*liquidated penalty rate*number of default days. 2. Overdue processing: After the IOU is overdue, you will not be allowed to participate in IOU activities. At the same time, our company reserves the right to provide your default information to relevant government management departments, industry regulatory agencies or other credit management agencies established in accordance with the law. It is recommended that you maintain good consumption habits and repay your loans on time, so that you can accumulate good credit and enjoy better financial services.
Please click to enter the picture description (maximum 18 characters) How to defer repayment on Jingdong Baitiao
Jingdong Baitiao cannot apply for deferred repayment.
If the final repayment is exceeded, If the minimum repayment is not paid on the due date, it is considered overdue. Overdue fees will be incurred and will have a negative impact on personal credit.
Users can use JD Finance APP-Bai Tiao-*Monthly Statement (* represents the month) ) to check the final repayment date. If you have financial difficulties, it is recommended to choose minimum repayment or installment repayment to relieve the pressure.
"JD Baitiao" is the industry's first Internet credit payment product, allowing users to enjoy the consumption experience of "consume first, pay later, real-time approval, and installment as you wish". It has quickly become an industry model and laid the foundation for JD. Finance’s position as a leading brand in the consumer finance industry.
In terms of positioning, "Jingdong Baitiao" is a credit payment service that uses big data to conduct credit assessment and provides users with high credit ratings and consumer needs. Users can enjoy use-now-pay-later and installment shopping services on JD.com for up to 24 periods. Bills can also be paid in installments and with minimum repayments, and the execution interest rate is lower than that of bank credit cards. JD Financial Consumer Finance has over 100 million users.
Since then, "Baidiao" has also opened up O2O (Jingdong Daojia), global shopping, and product crowdfunding within the JD system. Later, it gradually covered areas such as rentals, tourism, decoration, education, and weddings. The credit purchase service extends to the provision of credit consumption loans, covering more consumption scenarios and providing credit consumption services to more consumers.
JD Baitiao’s service scenarios have gradually expanded, and it has cooperated with nearly ten million online and offline merchants, covering the life and entertainment, business travel, education and training, communications and leasing industries. Cooperating with banks to jointly brand the electronic account "Baidiao QuickPass", extending Baitiao payment offline through NFC technology, and further broadening the usage scenarios of Baitiao payment by binding WeChat payment.
As the first Internet consumer financial product in the industry, "Baidiao" was initially only provided to users on JD.com for shopping. In fact, it relied on JD.com to provide users with credit purchase services. In April 2015, "Baidiao" opened up O2O (Jingdong Daojia), global shopping, and product crowdfunding within the JD system. Later, it gradually covered rental, tourism, decoration, education and other fields, extending from credit purchase services to the provision of credit loans. , covering more consumption scenarios and providing services to more consumers at the same time.
In March 2016, JD Finance launched its first cash lending product, JD Gold Bar, which is a cash lending service tailored for Baitiao users with good credit and is an extension of Baitiao Credit in cash consumption scenarios.
JD Gold Bar uses differentiated credit and interest rate pricing methods to provide cash loan services with a maximum credit limit of 200,000 yuan and a maximum installment of 12 months. Interest is calculated on a daily basis and the daily interest rate does not exceed 0.05%.
In August 2016, Baitiao was merged into JD Wallet. As an important channel entrance for JD Wallet, Baitiao has moved from online to more scenes on the mobile terminal, such as Sogo Department Store, Lufthansa Mall, Jingkelong Supermarket, etc. in Beijing.
In addition, Baitiao also cooperated with China CITIC Bank and China Everbright Bank to launch a co-branded credit card, also known as "Little White Card". This is an "Internet +" credit card that is popular among young people born in the 1990s. It is also the first credit card for many young people. This card further reflects Baitiao's role as a credit connector between the Internet and banks, and online and offline. , exclusive combined benefits of banking + Internet. How to negotiate repayment with JD.com
You need to call JD.com’s customer service staff in time, proactively negotiate repayment with JD.com customer service, express your willingness to repay, and explain the reasons why you are unable to repay. Note that the reason for the inability to repay here must be real and really lead to the inability to repay. Baitiao customer service will evaluate it based on this and decide whether to agree to negotiate repayment. If Baitiao customer service does not accept negotiated repayment, the debtor can only pay off the debt in one lump sum.
If you are overdue for a long time, Baitiao customer service will usually take the initiative to negotiate with you, but it is best not to wait for Baitiao customer service to take the initiative, because overdue interest has been increasing, and it will also affect your credit standing.
1. Ways to negotiate installments after the deadline
1. Go to a civil law firm to find a lawyer to negotiate on your behalf. This method is faster, but you need to pay a certain fee to the lawyer. I believe No one is willing to take this money. Then you can try the second one.
2. Complain to the Banking and Insurance Regulatory Bureau of the overdue credit card bank about the bank's unreasonable behavior, request the Banking and Insurance Regulatory Bureau to intervene in coordination, and indicate that it is willing to resolve the dispute in the form of negotiated installments. If the Banking and Insurance Regulatory Bureau accepts the request, the bank will stop the payment and call to negotiate installments. So please don’t shut down your phone to avoid payment.
2. How to complain to the Banking and Insurance Regulatory Bureau
1. Complain by phone
2. Complain via e-mail
3. Write a complaint and mail it to the bank’s banking and insurance administration bureau
3. How the banking and insurance administration bureau handles it
When you complain for the first time, you will be asked to negotiate with the bank on your own. . If the negotiation is not successful, or the result is not satisfactory, you can make a second complaint, listing the bank's unreasonable requirements, and explaining how many installments you want, but this number must also be within a reasonable range. After the Banking and Insurance Regulatory Bureau intervenes, it usually takes a few days, and a second complaint will take about a month.
4. Banking and Insurance Regulatory Bureau of each bank
1. Shenzhen Banking and Insurance Regulatory Bureau: CITIC, Ping An and other banks.
2. Shanghai Banking and Insurance Regulatory Bureau: Shanghai Pudong Development Bank, Communications, China Merchants, Industrial Bank, Shanghai, East Asia, Citibank and other banks.
5. Bank installment methods
China Merchants Bank, Shanghai Pudong Development Bank, Communications, Shanghai, Industrial Bank, China Everbright, and Guangfa all provide free installments for the current arrears. If it is overdue for a long time, or require installment Cardholders with a short period of time can also enjoy an appropriate reduction. CITIC and ChinaAMC do not have to pay liquidated damages. After the contract is successfully signed, the first payment is 10% of the total amount currently owed, and the remaining installments are free of charge. Minsheng only needs to repay the principal. The first payment is 10% of the current amount owed, and a handling fee of three thousandths will be charged for each subsequent period.