JD。 COM Mall launched the public beta version of the "IOU" business. When shopping in JD.COM Shopping Center, consumers can use the goods for free first, and then pay after 30 days. In other words, users who use IOUs in JD.COM Mall can enjoy almost the same interest-free period as bank credit cards. Speaking of interest-free period, users who use white stripes can also enjoy another great advantage, that is, the 30-day interest-free period can be combined with the interest-free period of credit cards. In other words, after enjoying the interest-free period of JD.COM IOUs for 30 days, users can pay by credit card, and enjoy the interest-free period of bank credit card for up to 56 days again, totaling up to 86 days.

Of course, you must pay after the interest-free period, otherwise you can only choose to pay by installment. Installment payment must be accompanied by a certain interest rate, which may be the price of enjoying life in advance. However, compared with bank credit card installment payment, users can still get great benefits. Specifically, the handling fee for installment payment is 0.5% for each installment, and 0.03% of liquidated damages shall be added for overdue payment. The five major state-owned banks charge 0.55%-0.75% handling fee for credit cards by stages, and the daily penalty interest is 0.05%. In this case, the discount for JD.COM IOUs will be even greater.

Please give points