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 you pay in installments and the repayment period exceeds 30 days, you will pay some interest to Jingdong. Therefore, JD.COM's IOUs are loans.
Since JD.COM IOUs are loans, how can we save the loan interest? Here, I'd like to introduce the interest-saving methods of JD.COM IOUs loan.
1. In order to increase the sales volume, JD.COM Mall often provides interest-free installment loan services for the third, sixth and 12 periods. This kind of products can be given priority 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 and try to get interest coupons before shopping.
3. Try to improve your credit score, especially JD. COM own small white credit. Everyone can improve Xiaobai's credit by improving real-name information and engaging in financial investment through Jingdong Finance.