There are two kinds of JD Finance co-branded cards: gold card and platinum card, in which the amount of gold card is generally between 1, 000-50,000 yuan, and the amount of platinum card is more than 50,000 yuan.
1. At present, there are two kinds of Jingdong Financial Co-branded Card: White-striped Co-branded Card and City Credit Card. The white joint card is also called "small white card". At present, China Everbright Bank, Bank of Communications, China CITIC Bank, China Merchants Bank, Bank of China, Minsheng Bank and China Guangfa Bank all have small white cards, and users can apply in Jingdong Finance official website. City Credit Card currently cooperates with Changsha Bank, Shengjing Bank, Zhongyuan Bank, Jinshang Bank, HSBC Bank, Shanghai Bank, Guangzhou Bank, Dongguan Bank and Beijing Rural Commercial Bank.
2. How long will 2.JD take? COM's joint credit card was audited?
1. It takes 10 working days to review co-branded credit cards in JD.COM. The application channel of JD.COM joint credit card includes JD Finance, but the data approval of the application card is operated by the audit department of the head office of the bank where the cardholder applies. According to the regulations of the issuing bank, the bank can generally complete the review within 10 working days after receiving the application materials submitted by the applicant. Make a business card and send it to the applicant within 5 working days after the examination. That is to say, it usually takes 10 working days for JD.COM co-branded credit cards from the time when the application materials of the applicant are received by the audit department to the time when the credit cards are audited.
2. It takes 65,438+00 days to review joint credit cards in JD.COM. However, it must be said that the applicant needs to take the time when the credit card review is actually completed. If the co-branded credit card in JD.COM has not been audited for a long time, the applicant can contact the official customer of the issuing bank or the official customer service in JD.COM for consultation.
What's the difference between a joint credit card in 3.JD.COM and an ordinary credit card?
The main difference between JD.COM co-branded credit cards and ordinary credit cards lies in their rights and interests. JD.COM co-branded credit cards have special rights and interests provided by JD Finance and Bank, while normal credit cards only have rights and interests provided by Bank. In addition, the application channels for joint credit cards in JD.COM are different from ordinary bank cards. Generally speaking, there are special channels for handling this card. As for normal credit cards, there are many ways to apply, such as bank official website, mobile banking and third-party cooperation platform. And there is no exclusive application method.
Is JD.COM Xiaobai Card a credit card? The joint special card is worth applying for.
As one of the leading enterprises in electric commerce, JD Finance has a huge user base. In the past two years, in order to seize the credit card market, JD Finance has successively set up JD.COM Xiaobai Card in major banks in the United Nations. Many card friends ask, is JD.COM Xiaobai Card a credit card? The answer is naturally yes.
JD.COM Xiaobai Card is a credit card.
JD.COM Xiaobai Card, also known as White Co-branded Credit Card, is a characteristic credit card of Jingdong Finance and credit card centers of banks. Different from traditional credit cards, JD.COM Xiaobai Card not only has high value, but also supports free customization. Cardholders can also enjoy the credit card gold card courtesy of various banks and the preferential rights of JD.COM White Bar. At this level, JD.COM Xiaobai Card is a credit card that is more suitable for cardholders who often spend money in JD.COM Mall.
The amount of small white card in JD.COM
As a special credit card, it is jointly issued by China Everbright Bank, China CITIC Bank, Huaxia Bank, Minsheng Bank and China Merchants Bank. The JD.COM White Card of each bank is at the gold card level, and the credit limit is between10,000-50,000. The specific credit line will be comprehensively evaluated by the bank according to the applicant's credit, and the applicant's data in JD.COM and Xiaobai credit score are also important reference factors.
JD.COM Xiaobai Card Application Path
1.JD.COM only provides online credit card application service platform. The use, interest calculation, repayment and account management of credit cards shall be implemented by the relevant systems and regulations of the card issuer, and JD.COM shall not assume any responsibility.
JD.COM Xiaobai Card is a credit card. In addition to the basic functions of credit cards, small white cards of different banks can also enjoy various benefits and rights provided by banks and JD.COM. If you are a JD.COM fan, it is more appropriate to apply for a Zhang Zhongxin white co-branded card.
What does it mean to update the white note to a co-branded card?
The IOU co-branded card is a co-branded credit card product of JD Finance and Bank. In addition to the basic credit card functions, the IOUs co-branded card can also enjoy the related rights and interests of IOUs after opening IOUs.
At present, JD.COM's financial cooperation includes CITIC, Minsheng, China Everbright, Huaxia, Guangzhou, Shanghai, China Merchants Bank, Beijing Rural Commercial Bank, Communications, Guangfa, Bank of Beijing, Industry and Commerce, HSBC, Bank of China, Shengjing, Dongguan, Dongguan Rural Commercial Bank, Changsha, Zhongyuan, Jinshang, Mintai, Nanjing, xi 'an, Sichuan Tianfu, Jiangxi, Qilu, Jilin.
Follow-up will be connected to new banks one after another, so please stay tuned. Please refer to the home page for specific support banks.
“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.
What is the use of ICBC's JD.COM Bailian Credit Card?
1.JD.COM co-branded credit card holders can enjoy an interest-free period of about 30 to 50 days. If they repay within this interest-free period, they only need to repay the principal.
2. When the cardholder opens the card, he/she will receive the iQiyi Gold VIP membership season card, which will be spent 3 times a week and automatically recharged for 7 days.
3. The cardholder can activate the IOU service after getting the credit card. After activating the corresponding service, the cardholder can get the qualification to use white stripes in JD.COM, and the points will be doubled.
4. Cardholders spend more than 3,000 yuan per month, and choose one of iQiyi fun members and iQiyi sports members/movie coupons.
5. Spend 1 time per month, enjoy 1 minute to watch the opera, and get 1 Jingdou, with a maximum of 1 ,000 Jingdou per month.
“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 has quickly become an industry model, laying the position of the leading brand of Jingdong Financial Consumer Finance Industry.
“JD。 COM White Strip is a credit payment service for users with high credit rating and consumer demand through 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.
In order to broaden financing channels and expand business scale, Internet consumer finance institutions and consumer finance companies have chosen ABS as a new financing breakthrough. For JD.COM IOUs ABS products, users use IOUs to shop first, and then pay. JD.COM reorganized IOUs installment bonds and sold them to financial institutions to obtain liquidity in advance.
At present, white ABS products have been listed and issued in four phases, with quotas of 800 million, 654.38+0.2 billion, 2 billion and 654.38+0.5 billion respectively. At the same time, the issuance process of white ABS has also changed from the previous approval system to the filing system for the first time, which means that the capital flow speed of white ABS will accelerate in the future.
In the consumption of e-commerce, the habit of "white bars" shopping by stages has gradually developed, and more post-80s people are willing to try the stages of consumer credit such as tourism, education and decoration. From the perspective of user age, the post-85 generation accounts for nearly 70%, which is still the mainstream; From the perspective of income, users with a monthly income of more than 5,000 yuan account for more than 50%, which means that "white bars" have become a daily payment tool and consumption lifestyle for middle-income groups.
JD.COM Gold Bar adopts differentiated credit granting and interest rate pricing, and provides cash loan service with the maximum credit line of 200,000 yuan and the longest installment 12 months, with daily interest, with the daily interest rate not exceeding 0.05%.
In addition, Baitiao also cooperated with China CITIC Bank and China Everbright Bank to launch joint credit cards, also known as "small white cards". This is a "internet plus" credit card, which is sought after by young people born in 1990s. It is also the first credit card for many young people. This card further embodies the role of IOUs as credit connectors between the Internet and banks, online and offline, and enjoys the combined rights and interests of banks and the Internet.
What is the general credit card limit of Jingdong Finance Co., Ltd.?
Under normal circumstances, JD Finance co-branded cards are divided into gold cards and platinum cards. The amount of a gold card is usually between 1-50000 yuan, while the amount of a platinum card will be more than 50000 yuan. The amount of personal JD.COM joint credit card depends on the actual situation. The credit limit of Jingdong Financial Co-branded Card is related to the card type, personal qualification and credit status handled by the cardholder, which is subject to the credit limit finally issued by the issuing bank.
Jingdong Financial Co-branded Credit Card is a credit card jointly launched by JD.COM and major commercial banks, including JD.COM White Bar Co-branded Credit Card and JD.COM City Credit Card. Among them, JD.COM White Bar Co-branded Card can be handled through China Everbright Bank, Bank of Communications, China CITIC Bank, China Merchants Bank, China Bank, Minsheng Bank and Guangfa Bank. There are two kinds of JD Finance co-branded cards: gold card and platinum card, in which the amount of gold card is generally between 1, 000-50,000 yuan, and the amount of platinum card is more than 50,000 yuan. Please refer to the amount granted by the issuing bank for the actual credit card.
Jingdong Financial Co-branded Card Application Conditions:
The applicant of 1 should be a China citizen who has reached the age of 18 to 65 (inclusive) and has full capacity for civil conduct;
When applying for a credit card online, the applicant should fill in the application information form online and ensure that the information filled in is true and accurate;
The applicant has a stable job and income, has the ability to repay the loan, has a good personal credit record and no bad record;
4. The applicant is a real-name user in JD.COM and has no bad record in JD.COM. If the bill is returned in bad faith, the IOU is overdue.
After meeting the above conditions, the applicant can directly apply for the JD Finance Co-branded Card, and the card issuer will decide whether to issue the card and grant the credit line to the account according to the applicant's credit status. After the applicant submits the application materials online, he can check the credit card approval status through the application page of Jingdong Financial Co-branded Card.
At present, there are two kinds of Jingdong Financial Co-branded Cards: White Bar Co-branded Card and City Credit Card. The white joint card is also called "small white card". At present, China Everbright Bank, Bank of Communications, China CITIC Bank, China Merchants Bank, Bank of China, Minsheng Bank and China Guangfa Bank all have small white cards, and users can apply in Jingdong Finance official website. City Credit Card currently cooperates with Changsha Bank, Shengjing Bank, Zhongyuan Bank, Jinshang Bank, HSBC Bank, Shanghai Bank, Guangzhou Bank, Dongguan Bank and Beijing Rural Commercial Bank.
What is the reason why China Merchants Bank failed to apply for JD.COM White Bar Co-branded Card?
China Merchants Bank JD.COM White Bar Co-branded Card is a kind of credit card with rich rights and slightly higher value, which has been sought after and applied by many friends. But some friends failed when they applied. Why is this? Don't worry, listen slowly.
First of all, let me introduce the application conditions of China Merchants Bank JD.COM Bailian Card. In fact, the application conditions of other credit cards have not changed: 1, and the age must be between 18 and 65 years old; 2. Have a legal and stable job and income; 3. Personal credit record is good. Any natural person who meets the above three points can apply.
Therefore, this China Merchants Bank JD.COM Bailian Card is still a credit card after all, because it is the same as other credit cards. Therefore, the application failure is also likely due to the following reasons:
1, personal qualification
As we all know, to apply for a credit card, in addition to the application form, you need to submit various supporting materials to the bank, and then the bank will review and score according to the materials provided by the applicant. If the submitted materials have a negative impact on the score, it is normal for the application to fail.
2. Personal credit record
If the personal credit record shows that the credit record is good, the application is likely to be successful; If the application fails, it is necessary to consider whether there is any bad record on the personal credit record.
3. Application form information
The bank's initial understanding of the applicant is to review the applicant's information from the application form, so when filling out the application form, it must ensure that the information on the application form is true and the application form is complete.
4. Repeated application
Don't apply for a credit card repeatedly after being rejected. There will be a period of time, about 1-3 months, and then the chances of applying again are much greater than the chances of repeated applications.
The above is the relevant content for everyone to introduce. If you want to apply for a card smoothly, you must be fully prepared in the application form, personal information, credit records, etc., and the success rate will be high when you apply for a card.
This concludes the introduction of credit limits of JD.COM Hundred Co-branded Credit Cards and JD.COM Hundred Co-branded Credit Cards. Did you find the information you needed?