JD.COM IOUs can spend again as long as the account status is normal and there is available amount, and it is not necessary to pay off all debts. If the IOUs account is abnormal, it is suggested that you pay attention to IOUs status after paying off all debts, or you can contact Jingdong Financial Customer Service for consultation. JD.COM IOUs belong to personal credit products, so it is suggested to repay on time and maintain good consumption and repayment habits in order to enjoy better financial services.
JD.COM's IOUs can be repaid in advance, and the steps for prepayment are as follows:
Operation path:
1, prepayment without bill.
Computer-side operation path: Jingdong Financial House-my assets-my IOUs-no bills-all paid off.
Jingdong financial App operation path: jingdong financial APP home page-white note -X month without bill-pay off in advance.
2. The balance of invoiced IOUs shall be fully paid off.
Computer-side operation path: Jingdong Financial House-my assets-my IOUs-no bills-all paid off.
Jingdong financial App operation path: jingdong financial APP home page-white bill -X monthly bill-all white bills-pay off at one time.
3. Order-based IOUs are repaid in advance
Computer-side operation path: JD Finance Home-My Assets-My IOUs, select the order to be repaid for consolidated payment or directly select "Repay Now" for all the orders to be repaid in a certain period of time.
① Consolidated payment:
(2) Payment for a single order:
Operation path of JD Finance App: JD Finance App homepage-blank-to be returned in the last seven days/to be returned this month-all bills-blank, select "Repay immediately" for the order to be returned, jump to the cashier page, complete the payment according to the page prompts, and the repayment is successful.
②
Do you want to pay the temporary quota of JD.COM IOUs in one lump sum?
The temporary line of JD.COM IOUs expires, so it is not necessary to pay it off in one lump sum. For example, if the temporary amount of the IOU is 600 yuan and the IOU is divided into 12 installments, then the IOU actually expires in the third month, and the user does not need to repay in full in the third month, but can still repay in the previous installments.
Even if it expires, the used temporary line of JD.COM IOUs shall be repaid in full. Because when users repay, they are not paying their own credit lines, but their own consumption bills. As long as the consumer bill is owed, the user must pay off the debt, regardless of whether the credit line used is temporary or not.
After the temporary limit expires, if the corresponding bill has not been repaid, the user's available limit will be displayed as negative. However, users don't have to worry, they just need to repay normally according to the repayment form of JD.COM Baitiao.
If the user feels financial pressure for some reason and can't pay off the current bill of JD.COM Baijo, the user can use the bill installment function of JD.COM Baijo to reduce his repayment pressure. From the billing date of JD.COM Baitiao to the final repayment date, users can apply to JD.COM Baitiao for billing installment.
Operating environment: apple 12, ios 14, jingdong financial edition 6. 1. 10.
JD.COM IOUs Temporary Withdrawal Rules. COM:
1. The temporary credit line is valid until June 30th, and will be automatically restored to the original credit line upon expiration.
2. After the temporary credit line takes effect, the original credit line shall be used first, and the temporary credit line may be used for the part exceeding the original credit line.
3. If the user breaches the contract, he can't withdraw the cash temporarily, and can only get it after the account returns to normal.
4. This activity is limited to ordinary users and campus users.
Gold investment credit card tips:
1. The temporary quota is only valid until June 30th, which means that the validity period is only about 35 days, which is too short, resulting in a slight shortage of the temporary quota.
2. The maximum amount can be raised to 6 180, which is still not enough for users with large shopping needs, while ordinary users can only raise1000-3,000 yuan, which is too low and of little use.
3. Some time ago, JD.COM suspended the credit card repayment of many banks except CITIC and China Everbright, and the long interest-free period was no longer available, so many netizens gave up using white stripes.
Can I pay off the debt in one lump sum?
After the installment, the IOUs can be returned in one lump sum. If the user wants to repay, he can log in to Jingdong Financial APP and find a loan to enter. Then they will see the "Pay off in advance" button under the installment bill. Click on it and they will see the amount to be repaid. Solve everything.
Note that in terms of fees, if users pay off all fees in advance, they need to pay the remaining unpaid principal, paid bills, next month's installment service fee and installment settlement service fee in advance. If the user's order uses the discount of full reduction of principal after installment, then the installment service fee will be normally borne for early settlement.
Taking bill installment as an example, the installment service fee rate of white bill installment is 0.05% per month, subject to the bill display. One-time prepayment will not adversely affect the user's credit, but it is temporarily not supported to modify the amount or invite others to help repay, and if there is a refund after prepayment, the paid installment service fee will not be refunded.
“JD。 COM White Strip is the first Internet credit payment product in the industry, which allows users to enjoy the consumption experience of "consumption first, payment later, real-time approval and arbitrary installment", and quickly becomes an industry model, laying the leading brand position of Jingdong Finance in the consumer finance industry.
In positioning, "JD. COM White Strip is a credit payment service for users with high credit rating and consumer demand through the credit evaluation of big data. Users can enjoy the service of paying first and shopping in installments in JD.COM Mall, with a maximum of 24 installments. Bills can also be repaid in installments, with the lowest repayment rate and lower execution rate than bank credit cards. Jingdong Finance Consumer Finance has opened more than 1 100 million users.
Since then, "Baitiao" has also opened up O2O(JD.COM arrives at 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 house purchase service to providing credit consumption loans, covering more consumption scenarios and providing credit consumption services for more consumers.
JD.COM Baitiao's service scene has gradually expanded, with nearly 10 million online and offline merchants, covering life and entertainment, business travel, education and training, communication, leasing and other industries. Cooperate with the bank to co-sign the electronic account "White Strip Flash Payment", expand the white strip payment to offline through NFC technology, and further broaden the use scenarios of white strip payment by binding WeChat payment.
2065438+March 2009, according to the statistics of the referee document network, more than 200 people have used JD. COM white strip "fraud. According to the verdict, the average age of the defendants in 107 is 28 years old. Take JD as an example. The two courts in Changsha pronounced that college students accounted for nearly half of the defendants. The defendant's maximum sentence was 19 years, with an average sentence of 2.35 years. In addition, the number of college students deceived mentioned in the judgment exceeded 362, which became a more conspicuous group among the victims.
Can I pay all the debts at once?
Of course.
After the JD.COM IOU is paid off, the user can pay off the debt in full on the repayment date. Or if the account has not been repaid, but it has not yet reached the repayment date, choose to repay in advance and agree to pay off the repayment amount in one lump sum. However, if the user has insufficient repayment ability, he can choose installment repayment or minimum repayment amount, so as to avoid overdue IOUs.
However, if you choose the minimum repayment amount or installment repayment, the IOUs will generate additional expenses, and only when you pay off the IOUs in one lump sum will you not generate any expenses.
White note refers to a fraudulent means by which the actor issues or asks for invoices and receipts and payment vouchers that do not meet the requirements of formal vouchers to avoid supervision or tax evasion.
White note:
A white note, that is, a document written on white paper in the name of an individual or unit to prove the receipt and payment of money or the receipt and delivery of goods, serves as an invoice to serve as the original voucher.
Second, use receipts instead of invoices.
This method is often used to evade taxes. Some individual and private owners only issue receipts to prove the occurrence of such economic business when facing consumers as individuals, instead of issuing invoices, so as to avoid tax evasion due to inspection by tax authorities.
Three, do not use invoices according to the specified purposes of invoices, such as retail and wholesale commercial invoices instead of catering service invoices.
4. Failing to issue invoices as required.
Without the special financial seal, the relevant personnel will not sign it.
In today's economic life, there are many cases of reimbursement with "white stripes". Some units purchase goods and pay labor fees without obtaining official invoices, but enter them in receipts or handwritten white bars; Some units and individuals borrow cash or bank deposits from the unit through some excuses, but for various reasons, the money has been spent, but there is no official invoice. In order to make up for the shortage of cash or bank deposits, most of them use "white notes" that do not meet the requirements of the financial system (for example, the business manager writes a note, and some even make an explanation without signing it), and the authenticity and legality of the "white notes" are not strictly checked. For example, in order to provide more "welfare" for employees, some units take out cash in the name of paying a company's service fee of 20,000 yuan and send it directly to employees, but instead of getting the service fee invoice from the other company, they issue a statement and affix the seal of the general manager's office.