The opening of the Jingdong Baiyao will not affect the credit, now the Alipay chanting and Jingdong Baiyao will be counted as a credit card mentioned in your credit report, the credit record will show, as long as you do not happen to be late, will not have an impact on your credit.

Does Jingdong white bar affect personal credit

The use of Jingdong white bar is directly linked to the issue of personal credit, so its use will affect personal credit.

Users who apply for and use Jingdong Baijiao and make repayments on time, corresponding to the credit will leave a record of repayment, which is good for repayment and favorable for personal credit.

If the user is overdue, Jingdong Baijiao will upload the overdue record to the central bank's credit report, hindering the user's subsequent credit business approval.

Jingdong White Label is the industry's first Internet credit payment product launched by Jingdong, which is a credit payment service for users with high credit rating and consumption needs through credit evaluation by big data. It provides a consumer experience of "consume first, pay later, real-time approval, installment at will", which has established Jingdong Finance as a leading brand in the consumer finance industry.

Beijingdong white line allows users to enjoy the Jingdong Mall first use after payment and installment shopping services, installment up to 24 periods, the implementation of the interest rate lower than the bank credit card, through the system of Jingdong O2O (Jingdong home), global shopping, product crowdfunding, and then gradually covered the rental, tourism, decoration, education, wedding and other areas, to provide credit consumption services for more consumers.

"Jingdong Baijiao" is a credit payment service provided to users with high credit ratings and consumption needs through credit assessment based on big data. Users in the Jingdong Mall to enjoy the first use after payment and installment shopping services, up to 24 installments, bills can also be installments and minimum repayment, the implementation of interest rates lower than the bank credit card. Jingdong Finance consumer finance opened more than 100 million users.

White Stripes" has also opened up O2O (Jingdong Home), global shopping, and product crowdfunding within the Jingdong system, and later gradually covered areas such as rentals, travel, renovation, education, and weddings, etc. It extends from credit shopping services to the provision of credit consumption loans, covering more consumption scenarios, and providing credit consumption services for more consumers.

Beijing's credit card service has been extended to cover more consumer scenarios and provide more consumers with credit consumption services.

Jingdong Baijiao's service scenarios have been gradually extended, and it has cooperated with nearly 10 million merchants online and offline, covering the life and entertainment, business travel and tourism, education and training, communication and leasing industries. The cooperation with the bank joint electronic account "white flash payment", through the NFC technology to white payment to the offline, and through the binding of WeChat payment, to further broaden the white payment use of the scene.

In addition to providing users with the convenience of buying before paying and paying in installments, White Stripes has launched an official creative product store, Time Grocery, which upholds strict aesthetic and quality standards to create and select a variety of colorful and interesting lifestyle products for users, and builds a healthy and high-quality attitude towards life with young people***.

Being aesthetic and quality standards, Jingjing creates and selects all kinds of colorful and interesting living things for users.

Jingdong white bar in the user to bring convenience at the same time, but also pay great attention to the user was Jingdong white bar stolen brush security issues. In the account login, activation, transactions, information modification and other full-process links, Jingdong numerical science of the day policy decision engine system, Tianshield account security and anti-fraud system, Tianwang transaction risk monitoring system for each account behavior background security scanning, real-time calculations, identification of malicious behavior and high-risk orders, and mall distribution system through, high-risk orders to achieve the distribution of the last kilometer to intercept the Jingdong White Stripes anti-theft brushes In the industry is a unique advantage.

Beijing East white will credit record

White is a Jingdong Finance launched a first consumption after the repayment of the payment tool, the opening of the white users in the Jingdong Mall shopping, you can use the white line of credit overdraft consumption, this way of shopping to provide people with more convenience, some friends in the process of using white will accidentally miss the repayment date and overdue, many friends are very concerned about the access to the white, but also the use of the white, the white, the white, the white, the white, the white, the white, the white, the white, the white, the white, the white, the white, the white, the white. The friend is very concerned about the access to the central bank credit.

Beijingdong white is Jingdong Finance launched a can advance overdraft consumption of credit tools, its nature and familiar with the credit card is similar, can be said that Jingdong white is a virtual credit card products. As Jingdong Finance is connected to the central bank credit system, so Jingdong white bar is also on the credit.

While the credit card is not the only thing that is overdue, the user's normal use of Jingdong Baijiao, the use of records will also be uploaded to the central bank credit system, but the user does not have to worry too much about the credit card, because Jingdong Baijiao will not upload the user's every record of consumption of the credit system, but rather by the form of a monthly bill summary of the report of the credit card.

Beijing East white access to the credit system is only in response to regulatory requirements, after all, the formal loan platform have access to the credit system, so we use the process of white, without worrying too much about the white will be the problem of credit, the normal use of the Beijing East white and will not have a negative impact on the personal credit.

But if the user does not repay the debt on time within the specified repayment period during the process of using Jingdong Baijiao, the late behavior occurs, then the late record is uploaded to the central bank credit system, which will have a negative impact on our personal credit, so we must pay attention to the process of using Jingdong Baijiao to maintain a good repayment record, and do not have the overdue behavior.

Users use Jingdong white bar after, if temporarily appeared repayment pressure, unable to repay the full amount, then in order to avoid the adverse effects of overdue, the user can choose to apply for installment repayment, or repayment of the minimum repayment amount, so that you can avoid due to the inability to pay back and cause overdue. It is recommended that you usually use credit products reasonably, so as not to overdraw the burden of repayment caused by excessive overdraft.

What are the dangers of opening a Jingdong Baijiao credit card?

While Jingdong Baijiao has accessed the credit system, its specific consumption details will not be reflected in the credit report, but will be updated monthly in accordance with the bill of indebtedness. That is to say, even if the Jingdong white bar on the credit will only show a record, so it will not spend credit, do not overdue will not be harmful.

The so-called credit spent, in fact, refers to the personal credit report on the inquiry record, approval record, loan record is too much. Generally only apply for too many times credit card, or apply for loans too many times, and the application of the loan and all will query the creditworthiness of the situation, will be the credit to spend.

If you are not sure about your credit and the big data on online loans, you can get a big data report on online loans from Blue Ice Data, on which there is detailed data on online loan application records, late details and blacklists.

But if the white bar is overdue, it will leave a bad credit record on the personal credit report. Therefore, when you use Jingdong White Bar, you must remember to repay on time to avoid late payment, which will affect your personal credit report.

Expanded information:

Profits and drawbacks of opening a BOCOC white line

The advantages and disadvantages of opening a white line are as follows

1. As a credit payment tool, customers can enjoy the shopping experience of "consume first, pay later" after the successful opening of Jingdong Baijiao, with a maximum of 30-day deferred payment period (no interest will be incurred if the full amount is repaid within the interest-free period) or a maximum of 24 installments to maximize the satisfaction of the customer's consumption needs. customers' consumption needs.

2. Customers can enjoy more financial services with a good borrowing record as long as they make good use of Jingdong Baijiao and pay attention to repayment on time, accumulating a good record of consumption and repayment, which will also help to improve personal credit and provide some help in handling credit business in the future.

The second disadvantage

Because the white label can be consumed in advance, it is also easy to let the customers who are not sensible enough to consume blindly, causing financial burden and increasing personal debt. And if the consumption is too much, the customer repayment ability and general, may also face the inability to repay the situation, resulting in overdue. Once the repayment is overdue, the customer's personal credit is bound to be damaged, and the subsequent credit business will be hindered.