What is the white stripe in JD.COM?
JD.COM White Bar is a consumption experience function of JD.COM Mall, which is similar to a credit card and adopts the mode of consumption first and payment later. If you have been in JD.COM for six times and reached the bronze medal level, you can apply for a white note. The maximum credit line for each user of JD.COM IOUs is 10000 yuan. If you use IOUs to buy goods and repay them on time, the credit limit can be gradually increased.
When you shop in JD.COM Mall, you can enjoy the shopping experience of spending first and paying later. However, after the 30-day interest-free period expires, we still have to repay on time, otherwise it will have a bad impact on our credit.
Is JD.COM IOU a small loan?
From the use point of view, JD.COM IOUs are exactly the same as micro-loans, which can solve the shortage of funds for everyone. However, it should be noted that JD.COM White Bar can only be used when shopping in JD.COM Mall, and other platforms cannot.
From the point of cash withdrawal, JD.COM IOUs are different from ordinary small loans, because they can't be withdrawn, and they are just an online payment method. This is the same as Alipay's ant flower buds, but the application scenarios of ant flower buds are more extensive.
Generally speaking, JD.COM IOUs are only for users who buy goods in JD.COM Mall. If you can't pay off the payment in one lump sum, you can choose IOUs for advance payment or installment payment. Therefore, JD.COM IOU can be said to be a small consumer loan, but there are many restrictions.