JD.COM IOUs is a brand-new payment method of "consumption first, payment later" introduced by JD.COM. Many friends who love shopping are very keen on JD.COM IOUs. And every holiday, JD.COM Baitiao will open a temporary quota for some high-quality users.
JD.COM IOU temporary bank can be divided into several stages. Usually, after the temporary line of IOU is used, the total amount owed in the current period will be entered on the billing date, which is the same as the repayment time of the fixed line. Therefore, JD.COM IOU temporary line supports installment repayment. If the user wants to pay by installment, it must be done between the billing date and the repayment date.
Find out in detail, can the temporary quota of JD.COM IOUs be phased? Go to: See more.
Can JD.COM's IOUs be repaid in installments? How to go on stage?
Whether it can be staged depends on different situations:
1. Before the white bill is issued, the unpaid white bill is less than 10 yuan, or there is repayment/refund record, or price protection has been applied, so the order cannot be re-phased; If the order amount is greater than 10 yuan, and there is no refund or repayment, and price protection has not been applied, you can log in to Jingdong Financial App, click the white bar on the home page, and try to apply for order installment before bookkeeping.
2. After invoicing, the eligibility and installment amount of IOUs shall be subject to the comprehensive evaluation of the system. Please refer to the page display for details. Manual intervention is not allowed. If you can't handle the installment of the bill, you need to repay it according to the bill.
How to divide the number of white bars in JD.COM into stages?
1. If the amount of IOUs in JD.COM is insufficient, installment payment can be made in the following ways:
1. Enter the JD.COM client and log in to the account.
2. Add the goods to be purchased and click Settlement.
3. Select online payment as the payment method, and then click Submit Order.
4. On the cashier page, click the blank (the word "mixed payment" will appear if the quota is not enough), and click the following combination payment.
5, according to their own needs, choose the right combination (white+savings card, white+steel shovel, white+).
6. For example, click blank, and the combination payment defaults to the combination of blank and savings card. Of course, you can also choose to stage.
Second, users can also get a certain temporary quota. When the temporary amount of IOUs+available amount is greater than the amount paid by the mobile phone, they can purchase the mobile phone by stages. Or the user returns a part of the white note in advance, so that the available amount of the white note is greater than or equal to the payment amount of the mobile phone, then the user can also use the white note to purchase the mobile phone in installments.
White-stripe combined payment is only applicable to users who use white-stripe one-time payment. If you pay by installment, you must use all the IOUs.
Operating environment:
Brand model: iPhone 13
System version: iOS 15.0
App version: 8.0. 16
JD.COM IOUs rely on his own small white credit, just like Alipay's sesame credit. At present, individual users on the JD.COM platform generate small white basic credit scores, including some behaviors such as shopping at ordinary times. Xiaobai's basic credit score is 80 points, and the credit limit will not be given until 80 points. Therefore, if your credit limit is 60 points, you may not reach the basic score of JD.COM IOUs.
The basic service concept of JD.COM Baitiao is that when it is used in JD.COM shopping platform, it can enjoy deferred payment of bills or 24 installments. JD.COM IOUs can be understood as the credit card consumption service applied on the shopping platform in JD.COM, and the process is to consume first and then pay. According to JD. COM users can enjoy certain services.
Can the temporary amount of white bars in JD.COM be phased?
JD.COM's white stripes can be divided into several stages. After the installment of JD.COM IOUs, the repayment time is the same as the fixed repayment date. As long as the installment amount is paid off, JD.COM IOUs can only apply for installment bill issuance within 9 days, that is, if the bill date is 5 days, they must apply for installment before 14, and cannot apply for installment after this time. Apply for installment, open the "Jingdong Financial App (version APP(6.0.52)", find the "white note", and click the "monthly statement" to enter the white note details page. After finding the issued bill, click the bill installment, select the number of installments, and click OK to make the installment successful. (operating environment: ipad 202014.8.1JD.COM baitiao v5.0.2).
1.“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 random installment". It quickly became an industry model and established Jingdong Finance's position as a leading brand 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 post-use payment and installment shopping service in JD.COM Mall, which can be divided into 24 periods at most. At least the bill can be paid in installments. The implementation rate is lower than that of bank credit cards. JD.COM Consumer Finance has opened more than 654.38 billion users. [4]
2. Since then, the "White Paper" has also opened up o2o(JD.COM Home), global shopping and product crowdfunding within the JD.COM system. Later, it gradually covered leasing, tourism, decoration, education, wedding and other fields. Extending from credit purchase service to providing credit consumption loans, covering more consumption scenarios and providing credit consumption services for more consumers. JD。 COM's white-stripe service scene has been gradually extended, and it cooperates with nearly 10 million online and offline merchants, covering many industries such as life and entertainment, business travel, education and training, communication leasing and so on. In cooperation with the bank, * * * signed the electronic account "White Slip Payment", extended the white slip payment to offline through NFC technology, and further expanded the usage scenarios of white slip payment by binding WeChat payment. 2065438+March 2009, according to the statistics of the referee document network, more than 200 people used JD. COM white paper ". The average age of the defendant disclosed in the judgment 107 is 28 years old. College students accounted for nearly half of the defendants in the "JD.COM IOUs Fraud Case" pronounced by the "two sessions" in Changsha. The defendant's maximum sentence 19 years, with an average of 2.35 years. In addition, the number of deceived college students mentioned in the judgment exceeds 362, which has become a more prominent group among the victims.