How to repay Jingdong Baitiao

The repayment process of Jingdong Baitiao is as follows:

1. First open Jingdong with your mobile phone;

2. On your own page, find the white note below, which is to be repaid this month;

3. Click on the amount of money to be repaid this month, and you will enter the details page, where you can see the information about your white note, and then Click Repay;

4. The status of the amount to be repaid and repayment options will be displayed, click the amount;

5. Choose to repay in one go or in installments, and then confirm the repayment ;

6. Choose to pay off in one lump sum or in installments, and then confirm the repayment.

"Jingdong Baitiao" is the industry's first Internet credit payment product, allowing users to enjoy the consumption experience of "consume first, pay later, real-time approval, and installment as you wish". It has quickly become an industry model and laid the foundation for JD.com Finance's position as a leading brand in the consumer finance industry. In terms of positioning, "Jingdong Baitiao" is a credit payment service that uses big data to conduct credit assessment and provides users with high credit ratings and consumption needs. Users can enjoy use-now-pay-later and installment shopping services on JD.com for up to 24 installments. Bills can also be paid in installments and with minimum repayments, and the interest rate is lower than that of bank credit cards. JD Financial Consumer Finance has over 100 million users.

Since then, "Baidiao" has also opened up O2O JD Daojia, global shopping, product crowdfunding within the JD system, and later gradually covered rental, tourism, decoration, education, wedding and other fields, starting from credit purchase services It extends to providing credit consumption loans, covering more consumption scenarios, and providing credit consumption services to more consumers.

JD Baitiao is the industry’s first Internet consumer financial product. "Consume now, pay later", enjoy an interest-free period of up to 30 days and installment payment of up to 24 installments. JD Finance APP Baitiao, you can enter the page to apply for activation independently. Users of Jingdong Mall are eligible to activate "Baidiao" for shopping in the mall.

The person in charge of risk control of JD Finance’s Consumer Finance Division revealed that no credit extension in the consumer finance business requires manual approval, and users are all identified through the risk control big data model. The backend risk control system will "identify" the user based on shopping habits, credit status, stability of the delivery address, etc., combined with a variety of factors and data, and then quickly provide an assessment result of whether the "white ticket" can be activated.

How to repay Jingdong Financial Baitiao

The steps to repay Jingdong Baitiao are as follows:

1. Open Jingdong Mall APP or Jingdong Finance APP on your mobile phone, and use your own Loan account login;

2. Click "My Baitiao" to enter JD.com's Baitiao quota page;

3. You can find the "All to be repaid" column below. and click to enter;

4. After entering the "All to be repaid" page, you can see all your unpaid loan bills;

5. According to your own funds Just make arrangements and return the bill.

Failure to repay Jingdong Baitiao overdue will have the following consequences:

1. After Baitiao is overdue, the system may automatically lock your Baitiao account, and you can no longer use Baitiao for consumption after locking;< /p>

2. Overdue IOUs will have a negative impact on your credit;

3. If you fail to pay off the minimum repayment amount before the repayment date, the system will charge you in addition to the daily service fee Liquidated damages will be charged on a daily basis. In addition, after the IOU expires, JD.com will remind you of repayment through in-site messages, mobile phone text messages, emails, phone reminders, sending letters, door-to-door visits, judicial channels, etc. If necessary, it will also entrust external agencies to remind you.

4. Overdue Jingdong Baitiao will also affect the user's Internet black index score, if the Internet black index score is too low. A low Internet Black Index score will not only affect the success rate of online loans, but also affect the user's Huabei and Jiebei quotas, and may even cause Huabei and Jiebei to be closed.

5. Friends who don’t know their credit information only need to go through: Sky Data. You can check your personal credit score by finding this WeChat applet. This data comes from online loan platforms and UnionPay across the country. Users can query their own big data and credit status, obtain various indicator data, and query their personal credit status, blacklist status, online loan application records, and application platform types. , important data information such as online loan credit limit estimates, etc.

How to repay Jingdong gold bars? What are the repayment methods?

JD Gold Bar is a personal consumer loan product on the financial app. It is in the internal testing stage and is only open to some Baitiao users with good credit. According to many users who have used gold bars, the interest rate of JD gold bars is very low, and there is no need to pay handling fees. The repayment method can also be chosen at will, and you can borrow and repay at any time. So, how to repay Jingdong gold bars? What are the repayment methods?

JD Gold Bar is a product derived from JD Baitiao. Its usage rules and repayment methods are similar to Baitiao. Generally speaking, it can be divided into two types: early repayment and automatic repayment.

1. Early repayment

Early repayment means repaying the money yourself. You can choose to repay more at one time. Anyway, it’s up to you. You only need to enter the gold bar page on the JD Finance app before the monthly repayment date, click Custom Repayment, and complete the payment according to the prompts on the page.

For example, if you owe 20,000, pay it back in 12 months, 200 per month. You can pay back 100 this month, or 1,000

Of course, you can also pay it all at once. The earlier you apply, the less interest you pay.

2. Automatic repayment

The automatic payment method for Jingdong gold bars can now only use bank cards for quick payment. You can set up automatic repayment in your online banking wallet every month. On the repayment date, the principal and interest will be automatically deducted from your bound bank card. I would like to remind everyone that if you want to repay automatically, you must deposit enough money into your bank card, otherwise the remaining balance will be If it is insufficient, the deduction will fail.

How to negotiate repayment with JD Finance

1. Online negotiation: Users need to first open and log in to the JD app and find the online customer service, and then negotiate the repayment plan with the online customer service;

2. Telephone negotiation: Users need to call JD.com’s customer service number and discuss the repayment plan with the phone specialist. The online customer service staff will evaluate the repayment plan proposed by the user and review it for approval. Once reviewed, Through this, the user can repay the loan according to the negotiation result.

The above is how to negotiate repayment with JD Finance.

Introduction to JD Finance

JD Finance is a subsidiary of JD Digital Technology Group and can provide individuals with financial loan services and various financial-related services. Serve. JD Finance has cooperated with nearly 1,000 financial institutions and banks and released nearly 10,000 financial products. In specific economic life, JD.com's financial platform has the characteristics of platformization, content and intelligence, and is at the leading level among many financial service institutions. This article mainly writes about knowledge points on how to negotiate repayment with JD Finance. The content is for reference only.

Can I repay the loan from Agricultural Bank of China by borrowing money from JD Finance?

Yes.

If JD Finance has a quota, it can borrow money to repay the loan from the Agricultural Bank of China, but this is a method of tearing down the east bridge to pay for the west wall and cannot fundamentally solve the problem. After all, JD Finance must repay after borrowing.

JD Finance is an important business segment of JD Digital Technology Group that focuses on financial technology services. It was born within JD.com Group and operated independently in October 2013.

How to repay JD Finance

1. Online negotiation: Users need to open the login related software and find the online customer service, and then negotiate directly with the customer service staff. Open the JD Finance App, enter the "My" interface; click "My Customer Service", enter "Manual Customer Service", click Contact Customer Service; explain the reason why you cannot repay, and your good willingness to repay. Consult customer service and apply for repayment negotiation. 2. Telephone negotiation: Users need to call the relevant phone number of JD.COM to negotiate the repayment plan with the telephone specialist. Relevant customer service personnel will evaluate and review the repayment plan proposed by the user. After passing the review, the user can repay according to the negotiation results. Explain the reasons for the current inability to repay and express a positive willingness to repay. Note that the reason for the inability to repay here must be real and actually lead to the inability to repay. Baizhu customer service will make an assessment based on this and decide whether to agree to negotiate repayment. If it is overdue for a long time, Baizhu customer service will usually take the initiative to negotiate with you, but it is best not to wait for Baizhu customer service to take the initiative, because overdue interest has been increasing, which will also affect your credit standing. Second, JD.COM IOUs are personal consumption credit products issued by the JD.COM platform.

It gives a certain credit limit based on the customer's credit evaluation, and customers can basically enjoy the payment method of "consumption first, repay later" within the credit limit. JD.com Finance is affiliated to JD.COM Digital Technology Group and is a software that provides financial loans to individuals. By 2021, JD Finance JD Finance has cooperated with nearly a thousand financial institutions and banks to launch nearly 10,000 financial products including IOUs, small vaults, co-branded small white cards, and gold bars. In actual economic life, the JD.com financial platform has the core competitiveness of platform, content, and intelligence, making it a leader among many financial service institutions.

That’s it for the introduction of JD Finance’s loan repayment.