What does JD.COM white strip mean?
When shopping in JD.COM, we often see an option of "white note" in the payment process, which is what we often hear about JD.COM white note.
JD.COM IOUs is a financial loan method which is introduced by JD.COM.
After the user opens JD.COM White Bar, he can use the credit line of JD.COM White Bar for payment and consumption, and then return the consumption amount to JD.COM White Bar account later, which is similar to Alipay's Bai Hua products.
Although JD.COM white stripes are similar to flower buds, they are also different from flower buds. Flower buds can only be used for shopping, while JD.COM white bars can be used for cash withdrawal in addition to shopping in JD.COM.
Whether it is cash withdrawal or consumption, it can be repaid in installments, up to 24 installments, which can effectively alleviate economic pressure when users have economic pressure.
The maximum amount that JD.COM can apply for IOUs is 50,000 yuan. After the user applies for the credit line, he can withdraw the consumption within the line.
If the user wants to open the JD.COM IOU, he only needs to log in to his JD.COM application, and then click My to view the IOU. Click to enter, click to activate the debit note, and then fill in the corresponding information according to the system steps to obtain your own credit line.
Besides spending money in JD.COM, JD.COM IOU can also cooperate with JD.COM to make O2O consumer loans, such as tourism, education, decoration, renting and so on.
In addition, JD.COM will often launch some activities for JD.COM IOUs, such as staging with JD.COM IOUs and enjoying interest-free staging. Users with needs can pay more attention to participation.
What is the installation rate of white bars in JD.COM?
If we need to repay the loan in installments after using the JD.COM IOU, then we need to pay a certain installment fee.
It is understood that the installment fee for JD.COM IOUs varies according to the number of installments, generally between 0.5%- 1%.
When the user conducts staging in JD.COM Baitiao, the page will automatically prompt the user to pay the handling fee for each stage and the total handling fee of * * * *.
Therefore, users can choose to terminate the staging operation if they feel that the handling fee is high during the staging process.
The handling fee of JD.COM IOUs will be allocated to the monthly repayment bill for collection, and will not be collected at one time, thus sharing the repayment pressure of users.