1. Log in to the account and open "Jingdong Finance";

2. After entering the software, click "My" in the lower right corner, click "Login" and enter the account number and password to be repaid;

3. Enter the bill, click "My"-click "White Bill"-click "To Be Paid" and then click "All White Bill";

4. Repay in advance, and click "Repay in advance" in the "All to be Paid" interface;

5. After the payer pops up, enter all the remaining amount to be repaid in the repayment amount, then click "Pay Now" and enter the payment password to complete all the steps of prepayment of IOUs.

JD.COM IOU installment payment can be repaid in advance. You can choose one-time repayment or partial prepayment. However, it must be reminded that if repayment is made in advance, the installment fee will not be reduced and charged normally. Therefore, it is recommended to see whether to repay in advance according to your own needs.

JD.COM IOUs are similar to credit cards, and they are all overdrawn with the credit of users. As a repayment method of JD.COM IOUs, prepayment has no harm to users. JD.COM can choose to repay the loan in advance, and sometimes reduce some interest and handling fees. At the same time, early repayment is also a credit sign that users can repay in time. If the debt owed is paid off in advance, it will have a good impact on the user's credit score.

Personal credit record in JD.COM White Lawyers Conference. If there is overdue or bad credit information in JD.COM, individuals may not be able to apply for credit loans in most banks, unless they can apply for bank credit loans six months after the small amount is settled.

JD.COM IOU is a payment method of "consumption first, payment later" introduced by JD.COM. When you use IOUs to pay on JD.COM website, you can enjoy a deferred payment period of up to 30 days or a maximum of 24 installments. It belongs to Internet consumer financial products in the industry. "White Strip" also opened up O2O(JD.COM to Home), global purchase and product crowdfunding within the JD.COM system, and then gradually covered the fields of renting, tourism, decoration, education, wedding and so on, extending from credit purchase service to providing credit consumption loans, covering more consumption scenarios.