1 First, you need to open and log in to the personal JD.COM Mall;

Then choose "My" and find JD.COM White Strip;

3 Click "Activate the white note immediately" to complete the verification of personal mobile phone number and open the white note service.

The above is the introduction of the opening of JD.COM Baitiao. It should be noted that not all users can write IOUs in JD.COM. If the personal credit report has a bad record, the application for writing a white note will not pass.

Operating environment:

Brand model: iPhone 13

System version: iOS 15.0

App version: 10.3.0

Extended data:

First, the benefits of JD.COM white bars to users:

1, which can be used for financial management.

If you are good at investing, you can spend it with white bars and then use the money saved for financial management, which can get good returns.

2. You can accumulate personal credit.

JD.COM IOU is used for credit report. As long as the IOUs are activated and loans and repayments are made in strict accordance with the regulations, a good loan record can be left on the credit information of the central bank. After that, you can enjoy other financial services with this good loan record.

3. It can solve the sudden shortage of funds.

If, in our life, we have to buy some necessities because of sudden shortage of funds, we can use JD.COM IOUs first, and then pay back the money after the funds can be turned around, which not only avoids the debt of gratitude, but also is more convenient.

Second, the influence of JD.COM white bars on users:

1, affecting personal credit information.

When spending in advance, there is a risk of overdue. As long as it is overdue, it will leave a bad record on the credit, which will affect the subsequent loans.

2. Interest exists

Although some goods will be interest-free, most IOUs have to pay interest, and sometimes the interest adds up to a lot.

3. It cannot be closed after activation.

After activation, there is no option to turn off the white bar. You just have to choose whether to use them or not, but sometimes they are accidentally misused without you knowing it. As a result, the repayment is not timely and the credit will be affected.

4. Increase personal liabilities

With the growing desire to buy things, loans will accumulate and sometimes exceed the personal debt limit. Too much debt will affect other loans.