The repayment process of JD.COM IOUs is as follows:

1, first open JD.COM with your mobile phone;

2. In your own page, find the following note and return it this month;

3. Click on the amount to be repaid this month, and you will enter the details page, where you can see your IOU information, and then click Repayment;

4. Display the status and repayment options of the amount to be repaid, and click the amount;

5. Choose whether to pay off in one lump sum or in installments, and then determine the repayment;

6. Choose to pay off once or in installments, and then determine the repayment.

“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, the "White Strip" has also opened up the O2O JD.COM house purchase, 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 is the first Internet consumer finance product in the industry. "Pay first and then pay back", enjoy a maximum interest-free period of 30 days and a maximum of 24 installments. Jingdong Financial APP White Bar can enter the page to apply for activation independently. JD.COM mall users are eligible to activate the "white note" for mall consumption.

According to the person in charge of risk control of Jingdong Financial Consumer Finance Division, the consumer finance business has no credit that needs manual approval, and users are identified through the risk control big data model. The control system after the typhoon will "identify" users according to their shopping habits, credit status and the stability of the receiving address. , combined with various factors and data, and then quickly give the evaluation results of whether the "white strip" can be activated.

Can JD.COM IOUs make the minimum repayment?

JD.COM IOUs can make minimum repayment, and the specific operation methods are as follows:

1. Find the "white note" option in my interface of Jingdong Finance, and click Enter.

2. Find the white note in the white note function interface and click "Repay" on the right.

3. Find the "immediate repayment" option in the bill details interface, and click.

4. Find the following "minimum repayment amount" option in the repayment interface, and click View. Click "Pay" below after checking.

5. Click "Pay Now" at the bottom of the payment interface.

Is there a minimum repayment amount for IOUs in JD.COM?

JD.COM IOU is the minimum repayment amount. The specific repayment steps are as follows:

1. Download and log in to Jingdong Financial APP, click on mine, and click on the page-repayment.

2. Click Pay Now on the bill details page, and in the repayment interface that pops up, select the following minimum repayment amount-Pay Now.

Extended data:

Can IOUs always achieve the minimum repayment amount?

IOUs can always repay the loan at a minimum. If customers feel repayment pressure, they can make a minimum payment for each bill. After the minimum repayment, the platform will not deduct money in the current period, and there will be no bad credit record. However, the platform accountant will charge the customer a handling fee.

Of course, if the customer feels pressure on repayment, although there is a handling fee for choosing the minimum repayment amount, it is still better than the overdue IOUs of the customer. If the IOUs are overdue, the platform will take the following measures for customers to safeguard their rights and interests:

1. Reduce customers' IOUs.

2. Freeze the customer's credit line.

3. Ask customers to pay off their debts in advance.

4. Investigate the customer's breach of contract.

5. Report the customer's bad use behavior to the credit reporting agency.

6. Reduce the customer's evaluation score.

7. Restrict the use of other products of Jingdong Finance.

However, the long-term use of the minimum repayment amount will gradually increase the debt expenditure of customers and increase their desire for consumption. In order to avoid these situations as much as possible, customers should use the white line scientifically and reasonably, and do not rely on the minimum repayment amount.

Can JD.COM IOU be used as the minimum repayment amount?

JD.COM IOUs can make the minimum repayment. JD.COM IOU can set the minimum repayment steps: 1. Click the loan on the homepage of Jingdong Finance.

2. Order mine again.

3. Then, click Automatic Repayment.

4. Click on the white bar.

5. Select the minimum repayment amount of the bill, and finally click OK.

The minimum repayment amount of IOUs in JD.COM will not affect the normal use of IOUs, but the unpaid IOUs will occupy the credit line. It should be noted that JD.COM IOUs cannot be overdue in the repayment process, because overdue repayment will result in penalty interest. The longer the time, the more penalty interest, and the heavier the burden of subsequent repayment.

When JD.COM's IOUs are overdue, the platform will collect them, and the platform will always urge users to return them. If the amount owed is large and the time is long, the platform may sue the user. In order to avoid this situation, users should think about their repayment plans in advance when using JD.COM IOUs in daily life.

JD.COM white stripes can be used in permitted scenes, such as Haydn Globe, some virtual goods and JD.COM. COM self-operated website (JD.COM Pharmacy is not supported for the time being) and some physical goods of third-party merchants, store 1, balance of pre-sold goods, crowdfunding in JD.COM. In addition, it also supports some external businesses. Specific to the actual payment of the optional situation shall prevail.

Version information: Take Jingdong Finance Version 6.3.30, Apple13 (iOS15.4.1system) and Huawei mate40(HarmonyOS2 system) as examples.