As the product of JD.COM, the Internet giant, JD.COM White Bar has always been concerned by everyone. Many friends who are not familiar with credit products ask: Is JD.COM IOU a loan? Today, I'd like to introduce the contents of JD.COM White Strip.
If we want to know whether JD.COM IOUs are loans, we must know the specific definition of loans. The most popular explanation for a loan is that it needs to charge a certain interest, even if the interest is zero, it will be called an interest-free loan.
JD.COM White Bar is the payment method of JD.COM Mall, which is to consume first and then pay. If you repay the debt within 30 days, you won't charge any interest. If the repayment period exceeds 30 days, JD.COM will be given some interest. Therefore, JD.COM's IOUs are loans.
Since JD.COM IOU is a loan, what can be done to save the loan interest? Here, I would like to introduce the methods to save interest on JD.COM IOUs loan.
1. In order to increase sales, JD.COM Mall often offers interest-free installment loan services in phases 3, 6 and 12. People can give priority to such products when shopping.
2.JD.COM White Bar Club will issue some interest coupons to users from time to time. You can pay close attention to the related activities of Jingdong Finance before shopping and try to get interest coupons.
3. Try to improve your credit score, especially JD. COM own small white credit. Everyone can improve real-name information, engage in financial investment and improve Xiaobai's credit through Jingdong Finance.
What loan company is JD.COM Baitiao?
JD.COM Baitiao is not a loan company, but an Internet credit payment product launched by Jingdong Finance. After opening, you can enjoy the consumption experience of "consumption first, payment later, real-time approval, and arbitrary installment". At the time of opening, different users get different credit lines, so they must repay on time after use, and they cannot be overdue.
JD.COM white bars can be used in different scenes to facilitate people's shopping. Consumer scenes include Store 1, self-operated JD.COM website (JD.COM Pharmacy is not supported for the time being), and some third-party merchants' physical goods, some virtual goods, the balance of pre-sale goods, Haydn Global Purchase, JD.COM Crowdfunding, etc.
It should be noted that there will be penalty interest for overdue repayment of JD.COM IOUs, and the days of default will be counted from the overdue date. Calculation method of liquidated damages: liquidated damages (days) = total unpaid amount (principal installment service fee) × liquidated damages ratio; If the penalty (day) is less than 0.0 1 yuan, it will be charged at 0.0 1 yuan. Liquidated damages shall be calculated on a daily basis.
In order to avoid being unable to repay on time after using JD.COM IOUs, users must measure their repayment ability in advance when using IOUs and know what income they will use to repay. If your personal income is not much, you should use it carefully at this time. In fact, when the amount is not much, you can borrow money from friends.
Version information: Take JD.COM10.5.0 version, Apple13 (IOS15.3.1system) and Huawei mate40(HarmonyOS2 system) as examples.
Can JD.COM borrow money by borrowing money?
JD.COM can borrow money by borrowing money. Some eligible users can open their IOUs in JD.COM and see the IOUs for cash withdrawal. Users can directly withdraw the withdrawn IOUs into the bound savings card, and calculate the interest at 0.05% every day after withdrawal. It is included in the current debt bill and will be received within half an hour.
JD.COM IOUs Withdrawal is a new right launched by JD Finance for IOUs bill users. Currently, the service is only partially available. JD.COM IOUs cash withdrawal means that the system evaluates the IOUs amount (fixed amount) of users of the billing system and obtains the highest IOUs cash withdrawal amount. Users can withdraw the amount of IOUs to their savings cards and calculate the interest on a daily basis, with the daily interest rate starting from 0.05%. The actual loan interest rate will be displayed on your loan page and included in the IOU bill.
JD.COM IOUs can borrow money directly, but in JD.COM IOUs, it's not called borrowing money, it's called "cash withdrawal", which means to transfer the amount of JD.COM IOUs to your bank card. The specific operation mode is as follows:
1. Open the JD.COM application.
2. Click on my white note.
3. Click "Withdraw Cash". Fill in the relevant information on this page, such as the amount to be withdrawn and the corresponding bank card, and then withdraw cash immediately.
How does Jingdong Finance borrow money?
The specific borrowing process in Jingdong Finance:
1.JD.COM IOU loan: The applicant needs to download the Jingdong Financial App, then find the IOU business in JD.COM on it, and then click IOU-IOU Available Amount-IOU Cash, and the loan is successful.
2. Borrow JD.COM. COM: Applicants can download the Jingdong Financial App, register and log in, find the "white note" on the homepage, and then click "borrow" to borrow money.
3.JD.COM Gold Bar Loan: The applicant downloads and registers the Jingdong Financial App, finds the "white bar" on the homepage, and then finds the "gold bar" inside. Click on the loan now, and the loan will be directly credited to the bank card.