JD。 The "white note" of COM is aimed at the consumer finance business of individual consumers, based on the credit system of Jingdong members. Users can enjoy the credit purchase service of "consumption first, payment later" when spending in JD.COM. [3]
Users need to log in to JD.COM account to apply for "IOUs" credit line, including parameters such as the number of IOUs exchanged by users in JD.COM and the number of goods purchased, which were classified by JD.COM in the name of "combat effectiveness". The public beta page also shows that the top three users who have obtained the quota all have a "white bar" quota of about 15000 yuan [8].
"White Strip" also allows users to enjoy the policy of interest-free repayment within 30 days. It is understood that users can choose deferred payment for up to 30 days or 3- 12-month installment payment. Interest-free repayment within 30 days, the down payment rate is 0.5%, 12 installment rate1* * 6%.
JD.COM said that "IOU" can complete the application and credit granting process online within one minute, and the service fee is only half of that of similar banking services.
JD.COM white stripes mean:
When shopping in JD.COM, consumers can apply for a personal loan of up to RMB 6.5438+RMB 5,000, which will be repaid in installments within 3-24 months.
Repayment method:
JD.COM IOU repayment is divided into two forms, one is 30-day interest-free deferred payment and the other is 3- 12-month installment payment.
The handling fee for installment payment is 0.5% per installment. That is, the commission for the third phase is 0.5%×3= 1.5%, the commission for the sixth phase is 3%, and the commission for the second phase is 6%. China Merchants Bank, which cooperates with JD.COM, will pay 3%, 4.2% and 6% installment fees for Phase 3, Phase 6 and Phase 12 respectively. However, during the promotion period, the handling fee of JD.COM IOUs will be reduced by 60% to 0.3%.
Users who fail to repay the loan within the time limit shall pay liquidated damages to Jingdong at the rate of 0.03% per day. The person in charge of the JD.COM White Strip Project told the Beijing News reporter that JD.COM would remind users by SMS and telephone.