JD.COM IOUs are similar to Alipay IOUs. If the repayment is timely and not overdue, it will not do much harm to the credit investigation. It will be slow for you to borrow money from a regular bank.
Is JD.COM IOU a loan? From this point of view.
As the product of JD.COM, the Internet giant, JD.COM White Bar has always been concerned by everyone. Many friends who are not familiar with credit products ask: Is JD.COM IOU a loan? Today, I'd like to introduce the contents of JD.COM White Strip.
If we want to know whether JD.COM IOUs are loans, we must know the specific definition of loans. The most popular explanation for a loan is that it needs to charge a certain interest, even if the interest is zero, it will be called an interest-free loan.
JD.COM White Bar is the payment method of JD.COM Mall, which is to consume first and then pay. If you repay the debt within 30 days, you won't charge any interest. If the repayment period exceeds 30 days, JD.COM will be given some interest. Therefore, JD.COM's IOUs are loans.
Since JD.COM IOU is a loan, what can be done to save the loan interest? Here, I would like to introduce the methods to save interest on JD.COM IOUs loan.
1. In order to increase sales, JD.COM Mall often provides interest-free installment loan services for three, six and 12 installments. This kind of products can be given priority when shopping.
2.JD.COM White Bar Club will issue some interest coupons to users from time to time. You can pay close attention to the related activities of Jingdong Finance before shopping and try to get interest coupons.
3. Try to improve your credit score, especially JD. COM own small white credit. Everyone can improve real-name information, engage in financial investment and improve Xiaobai's credit through Jingdong Finance.
What does online lending mean?
Peer-to-peer lending refers to loans applied through the Internet platform, including loans granted by individuals to institutions and organizations through the Internet platform, and loans granted between individuals through the Internet platform.
At present, there are a large number of online lending platforms, and most of them are informal. However, the state's supervision of online lending is not perfect. Therefore, when contacting online loans, everyone must be careful, beware of usury and routine loans.
Extended data:
Is online lending a usury?
Online lending does not necessarily belong to usury.
If the annual interest rate exceeds 4 times the listed interest rate of the one-year loan market when the contract is established, it belongs to usury and is not protected by law. Lenders may not pay excess interest, and the court will not support the lending platform to claim interest from the court.
The interest rate agreed between the borrower and the borrower shall not exceed 4 times the listed interest rate of the one-year loan market when the contract is established. If the loan platform requests the borrower to pay interest at the agreed interest rate, the people's court shall support it.
Will JD.COM Baitiao check your information from the social security department?
Yes JD.COM IOUs will check the information from social security. JD.COM gold bars. JD.COM Gold Bar is an online loan launched by JD.COM shopping platform. As it is an online loan, JD.COM gold bars can always be handled online. You can fill in the social security on JD.COM gold bars, which is filled in after networking. JD.COM Gold Bar will automatically query the social security information of users.