The interest on JD.COM IOUs varies according to the specific usage. The basic daily interest rate is three ten thousandths (0.03%). If the loan is made through JD.COM White Strip, the daily interest rate will be raised to 4.5% (0.045%). For installment payment, the rate ranges from 0.5% to 1.2%, depending on the number of installments and the amount. In the case of the minimum repayment, the daily service fee for the unpaid part is 0.05%. In the case of overdue repayment, different charging standards will be adopted according to whether the minimum repayment has been paid, and the overdue interest rate is also 0.05%/ day. However, if the repayment amount is less than the minimum repayment amount, the penalty will be added, and the calculation method is unpaid principal ×0.0 15%× overdue days.