When it comes to the 6 18 shopping carnival, the first thing that comes to mind is Taobao, but in fact, the discount offered by JD.COM platform is not low, and it is very cheap to buy household appliances and daily necessities on it, which is very cost-effective. But in this kind of shopping festival, people's consumption will increase greatly, but their salary deposits are limited. What is the maximum credit limit of JD.COM IOUs in order to buy your favorite goods during this period? What are the requirements for applying for IOUs in JD.COM? If you don't know the answers to these two questions, please read today's article quickly!

First of all, JD.COM Baitiao is a consumer credit loan product launched by JD.COM, which can help users get cash quickly and meet urgent needs. The maximum credit limit of JD.COM IOUs depends on personal credit rating and usage records. At present, the highest credit line is 15000 yuan, and the lowest is 1000 yuan. Most people's credit line is between 2000 yuan and 5000 yuan. However, the specific credit line needs to be evaluated according to individual circumstances, and the credit line will not change all the time. If everyone's qualifications are improved in the subsequent use process, there is also the opportunity to continue to increase the credit line.

Secondly, the application conditions for IOUs in JD.COM mainly include the following points: First, you need to be 18 years old and have full civil capacity; Secondly, there must be a stable source of income, such as wages and pensions; The third is to have a good credit record, no bad credit record and debt record; Fourth, you need a bank card with a JD.COM account and real-name authentication. In addition, it should be noted that the application and use of JD.COM IOUs need to comply with relevant laws and regulations and the provisions of JD.COM. For example, IOUs shall not be used for illegal acts or malicious overdrafts. If violations are found, JD.COM has the right to take corresponding measures, including freezing the amount of IOUs and closing accounts. Finally, when using JD.COM IOUs, we should plan the repayment time and amount reasonably to avoid fines and interest arising from overdue repayment. It is suggested that you carefully plan your repayment ability and demand before using the IOU, so as to avoid exceeding your affordability and overdue.

In a word, JD.COM White Bar is a convenient and quick consumer credit product, which can help users solve their urgent needs. However, the application and use of IOUs need to comply with relevant regulations, and pay attention to reasonable planning of repayment time and amount. Here, Bian Xiao reminds everyone that the use of white stripes in JD.COM must be rational and must not be overdue.