Yes, there is no grace period for JD.COM gold bars. As long as they are overdue, the record of one day overdue will be uploaded to the credit information.

supplementary information:

1. The official has clearly stated that JD.COM will report the loan to the credit bureau, so the user must repay the loan on time after handling it on JD.COM, and there can be no overdue repayment, because in addition to the credit bureau, there will be penalty interest. The longer the time, the more penalty interest will be, and the burden of later repayment will increase.

2. If the loan on JD.COM is credited, the overdue record will be kept in the credit for 5 years after the borrower returns it, and it will automatically disappear after 5 years. If the arrears are not paid, then this overdue record will always be recorded in the credit information and will never disappear.

3. Generally, loans in JD.COM are handled through JD.COM gold bars. The maximum loan amount of JD.COM gold bars is 2, yuan, and no collateral is needed when borrowing. After borrowing, interest is calculated on a daily basis, and repayment can be made in advance if funds are sufficient. When borrowing money, you can choose different stages, including 1, 3, 6 and 12.

4. In order to avoid not being able to repay on time after borrowing, users had better measure their repayment ability when borrowing and know what kind of income they use to repay. If your personal income is not much, you should borrow carefully at this time. If your personal income is relatively high, you can borrow money reasonably at this time.

5. In case of overdue, pay off the arrears in time. And explain to JD.COM the reasons why he is overdue, so as to get the understanding of JD.COM officials.

6. If the loan amount is too large, my current repayment ability is limited. You can negotiate a repayment plan with the other party.

Extended information:

1. Introduction of Jingdong Finance:

1. With platform, intelligence and content as its core competence, Jingdong Finance, together with nearly 1, financial institutions such as banks, insurance companies and fund companies, provides professional and safe personal financial services for users. ?

2. jingdong finance has launched nearly 1, financial products, including white bars, funds, bank wealth management, small treasury, gold bars, joint small white cards and small gold cards, covering four business segments, namely wealth management, lending and insurance.

3. JD Finance has cooperated with nearly 1, financial institutions, including:

(1) Banking institutions: Industrial and Commercial Bank of China, China Construction Bank, China Merchants Bank, Shanghai Pudong Development Bank, China CITIC Bank, China Everbright Bank, Ping An Bank and Minsheng Bank;

(2) Brokerage institutions: CITIC Securities, CITIC Jiantou, Essence Securities, GF Securities, etc.

(3) Fund institutions: Tianhong Fund, E Fund, Huaxia Fund, southern fund, etc.

(4) Insurance institutions: Ping An Insurance, China PICC, Taikang Insurance, Allianz Insurance, etc.