The reason is very simple, because in the process of handling loans for customers, banks inevitably depend on the borrower's credit information. By checking the customer's personal credit information, they will also check the JD.COM IOUs to measure whether to lend money to customers.

Users are not advised to open JD.COM white stripes. This is because JD.COM IOUs are loan products for overdraft consumption. When users don't establish good consumption habits, it's easy to over-consume by writing IOUs. In addition, loan records of IOUs will be collected at the meeting. Once the user is overdue, overdue records will seriously affect personal credit information. Therefore, users with poor consumption habits and poor repayment ability are not suitable for writing IOUs. Of course, even if the white bar has been opened, the user can choose to close it, and closing the white bar will not have any negative impact.

Let's talk about the troubles caused by Zhenchun's opening white bars first.

1, there are liabilities in the early consumption. If everyone uses IOUs for loan shopping, there will be debts. You need to repay on time every month in the future.

2. There is a risk of overdue repayment if you don't repay on time. After all, IOUs have a fixed repayment date. Once everyone fails to repay the loan on time, it will produce a record of non-performing loans and leave a stain.

3. Unreasonable consumption. After using IOUs, many people will blindly consume, thus causing a heavy repayment burden for themselves. In addition, the use of IOUs sometimes generates fixed interest, so the amount to be repaid includes principal+interest, so everyone should spend reasonably. For friends who can't control their spending power, it is not recommended to use white bars.

If the user fails to repay the current loan principal and interest in full on or before the repayment date, it shall be deemed as overdue, and the number of days of default shall be counted from the overdue date.

Calculation method of liquidated damages: liquidated damages (days) = total unpaid amount (principal installment service fee) liquidated damages ratio.

Total liquidated damages = liquidated damages (days) Days of default. The specific proportion of liquidated damages is charged according to the following standards: expense standard: description: 1. If the penalty (days) is less than 0.0 1 yuan, it will be charged at 0.0 1 yuan.

Do not activate the JD.COM White Bar. What's the story? What's the effect of activating JD.COM White Bar?

JD.COM Baitiao is a lending and consumption platform owned by JD.COM. When shopping in JD.COM, you can pay directly with JD.COM IOUs and pay it back next month. However, some people say, never activate JD. The IOU of COM. In fact, as long as the repayment is made on time, it doesn't matter, that is, you are afraid that the parties will forget to repay, and the overdue problem will affect their credit information.

Do not activate the JD.COM White Bar. What's the story?

JD.COM Baitiao provides users with the service of "consumption first and payment later" in JD.COM Mall, and also provides users with services such as installment repayment and interest-free period, which is very cost-effective. However, after the opening of JD.COM Baitiao, many users often exceed their actual economic affordability because they can't control their consumption desires. Therefore, if you don't have some restraint, it's best not to open consumer credit loan instruments such as JD.COM IOUs. Because once the repayment cannot be made on time before the due date, it will lead to overdue behavior, which will lead to penalty interest and personal credit information damage.

If the overdue behavior occurs, it will have the following effects:

Penalty interest 1: After the overdue behavior occurs, JD.COM Baitiao will charge a certain penalty to the user, and the penalty will be charged daily at the interest rate of 0.07%, which will increase the repayment cost of the borrower and increase the personal economic burden;

2. Personal credit damage: JD.COM White Credit Information Bureau. If the user has overdue behavior, JD.COM Baitiao will report to the credit information system of the People's Bank of China. If there are overdue records in the credit report, the borrower will be refused loans when applying for credit cards, mortgages and car loans in the future.

3. Collection: After the overdue IOUs, JD.COM will also collect them through SMS, telephone, email and other channels, and will entrust an external agency to collect them if necessary. If the overdue behavior is very serious, judicial measures will also be taken to solve it.

Can I turn it off after activating JD.COM White Bar?

JD。 COM can be closed after the white bar is activated. The operation process steps are as follows:

1. Log in to JD.COM/Jingdong Financial APP；;

2. Enter the white bar interface;

3. Select the account setting option in the personal center;

4. Enter the account security page;

5. Select the option to cancel the white strip;

6. Select the reason for account cancellation (the line is too low/I think the account is unsafe/I no longer use it/I change my identity, I reopen the account/I report the credit reasons/others) and submit it.

And everyone needs to pay attention to:

1. Before you apply to close JD.COM Baitiao account, you must first check whether there is any outstanding bill debt in the account. If there is, you must pay off the outstanding bill debt first, otherwise the IOUs in JD.COM cannot be cancelled.

2. If there is a demand for use after cancellation, it is necessary to re-apply for opening at that time, and it must be reviewed and evaluated by the system again, which may not be successful (therefore, it is suggested that if there is a demand for use in the future, it is not necessary to directly close the white bar, and users who do not use it temporarily can choose to lock the white bar and unlock it after use).

What's the effect of activating JD.COM White Bar?

JD.COM IOUs payment activation has no effect and will not cause any consequences, but if IOUs payment is not used for a long time after activation, the IOUs amount will be reduced. Because the Commission adjusts the IOUs for users from time to time, after the IOUs in JD.COM are activated, the system will think that the demand for borrowing money is small, so the IOUs will be reduced, and even if they are not used for a long time, the system will recover the amount.

White note payment is only a payment function, and it will not have any influence after activation. However, if you don't often use white payment, it is not recommended to activate it, because it can't be cancelled after activation. JD.COM IOU is quite safe. As long as you keep your password safe and prevent it from leaking, you won't reveal your personal information, and there is no unexpected interest, so it is relatively safe.

Do not activate JD.COM IOUs. Be careful that interest will roll up.

JD.COM White Bar is an online credit payment product launched by JD Finance, but there are some reasons why you should never activate Tokyo White Bar. For example, after enjoying the shopping experience brought by this function, the accumulated consumption amount will increase. If you don't return it or forget to return it, you should also be careful to affect your personal credit information.

Reasons why white bars should not be activated.

1. In fact, you may find it more convenient after activating the white bar. When you shop in JD.COM or spend money in online and offline stores, you can pay with the shopping list. Payment can be deferred within the accounting period, or it can be paid according to the difference, up to 24 periods. But in fact, this will also cause a phenomenon, and you may use this function unconsciously. Then, after you keep spending, you will actually find that you need to pay back more and more money.

2. At the time of repayment, there may be another phenomenon, that is, if you are late in repayment and forget when to repay it, there may be a record of non-performing loans, which will also leave a stain on your credit information, and you should also pay attention to the fact that JD.COM IOUs and daughter cards bear interest and are calculated on a daily basis. Then people may think it's not worth it afterwards.

3. It should also be noted that in the process of repayment, it is also possible that the accumulated amount is too large to repay, and even friends may be asked to borrow money to pay back the money. This situation may make us feel that it should not happen afterwards, and we should be more rational when spending. You may understand why we don't activate JD.COM White Bar.

4. Don't activate the excited IOUs. There may be the above reasons. For those who have already opened JD.COM IOUs, using JD.COM IOUs may be troubled by impulsive consumption or overdue repayment. Moreover, the white note has been entered into the credit information system, and as long as the consumer's personal credit information is overdue, it will be affected. You may not care about this. If you know that it will affect your credit information, it will still have a great impact and make your life very inconvenient.

For some payment products that are consumed in advance, everyone should be more rational. Many things have both good and bad sides, which can bring you strong financial backing and make you enjoy it. However, you always have to pay back the money yourself, and the amount accumulated by impulsive consumption may also make you regret it.

Can I open a white strip in JD.COM? What are the disadvantages?

First, the disadvantages of opening a white strip in JD.COM

1. Increase liabilities

In JD.COM, when white stripes are activated, people will take responsibility if they use them for shopping. From now on, you need to repay the loan on time every month. If everyone's debts are heavy, it will affect the mortgage and car loan from the bank in the future.

2. There is a risk of overdue

There is no need to activate the white stripes in JD.COM, and there is a risk of overdue after use. JD。 The IOUs of COM have a fixed repayment date. Once everyone fails to repay on time, it is overdue and will leave a stain on the credit information.

extravagant

After JD. The IOUs of COM are activated, and many people will blindly over-consume, causing repayment pressure on themselves. Moreover, the use of JD.COM IOUs will generate certain interest.

Second, the benefits of activating JD.COM white bars.

1. Accumulate personal credit

JD.COM, after the IOU is activated, if everyone can use the money to repay the loan in strict accordance with the contract, the credit information of the central bank will leave a good loan record. In the future, everyone can enjoy more financial services with a good loan record.

Manage wealth

Sometimes, shopping with JD.COM IOUs can avoid paying interest. But you can use the cash you earn to buy wealth management products and earn income for yourself.

Improve your life.

JD.COM IOUs support shopping first and then paying. If everyone can use JD.COM White Bar reasonably after activating it, it will help everyone to enjoy a quality life in advance.

“JD。 COM White Strip is the first Internet credit payment product in the industry, which allows users to enjoy the consumption experience of "consumption first, payment later, real-time approval and arbitrary installment", and quickly becomes an industry model, laying the leading brand position of Jingdong Finance in the consumer finance industry.

In positioning, "JD. COM White Strip is a credit payment service for users with high credit rating and consumer demand through the credit evaluation of big data. Users can enjoy the service of paying first and shopping in installments in JD.COM Mall, with a maximum of 24 installments. Bills can also be repaid in installments, with the lowest repayment rate and lower execution rate than bank credit cards. Jingdong Finance Consumer Finance has opened more than 1 100 million users.