; ? White note flash payment is a credit payment product of Jingdong Finance, and the consumption amount is the actual available amount of white note. Someone asked, what is the white card of Shanghai Bank? Then let's briefly talk about this problem for everyone, hoping to help after reading it.
What card is the white note of Shanghai Bank?
This is a virtual electronic account. After the user opens the white-note flash payment, the system will automatically match the electronic account and support Shanghai Bank and Guangfa Bank, depending on which bank the system matches.
User modification is not supported after matching, and it is automatically assigned by the system. E-bank account Different bank accounts have no influence on the opening and consumption of users' IOUs, and generally it doesn't matter.
Users who want to open white flash payment can log in to the background to see if there are buttons on the page. If the page has no buttons or fails to open, it means that the user does not support the comprehensive evaluation of the system temporarily or the mobile phone device does not support it. It is suggested that users can maintain a good consumption and credit status and continue to pay attention later.
Because the white flash payment uses the white line, users should pay attention to repayment on time in the subsequent repayment process, so as not to be overdue, so as not to leave a bad credit record.
The above is about "What card is the white note of Shanghai Bank?" . Generally speaking, it is a bank electronic account that is randomly matched after the user opens the white note flash payment. After using the white-note flash payment to pay the consumption scene, remember to repay the bill in time to avoid overdue, otherwise it will have an impact.
Is the secondary card a credit card?
No, a white card is not a credit card. The essence of a white card is a Shanghai bank savings card, but it is different from a general savings card. The card is a virtual card, and the card quota is connected with the white card quota. How much can a white card cost? Credit cards and savings cards are completely different, so white cards are not credit cards.
JD.COM Baitiao is the first Internet credit payment product launched by JD.COM. It conducts credit evaluation through big data and provides credit payment services for users with high credit rating and consumer demand.
Providing a consumption experience of "consumption first, payment later, real-time approval and arbitrary installment" has established Jingdong Finance's leading brand position in the consumer finance industry.
JD.COM Baitiao allows users to enjoy the service of paying first and shopping in installments in JD.COM Mall, with the longest installment of 24, and the execution interest rate is lower than that of bank credit cards. It has opened up O2O(JD.COM to the home), global purchase and product crowdfunding in JD.COM system, and gradually covered the fields of renting, tourism, decoration, education and wedding in the later period, providing credit consumption services for more consumers.
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.
"White Strip" has also opened up O2O(JD.COM to Home), global purchase and product crowdfunding within the JD.COM system, and then gradually covered the fields of renting, tourism, decoration, education, wedding, etc., extending from credit house purchase service to providing credit consumption loans, covering more consumption scenarios and providing credit consumption services for more consumers.
The service scene of JD.COM Baitiao has been gradually extended, and it has cooperated 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.
In addition to providing convenience for users to pay by installments at will, Baitiao launched the official creative product store-Time Grocery Store, adhering to strict aesthetic standards and quality standards, creating and selecting various beautiful and interesting life gadgets for users, and establishing a healthy and quality life attitude with young people.
JD.COM Baitiao not only brings convenience to users, but also attaches great importance to the safety of users being embezzled by JD.COM Baitiao.
In the whole process of account login, activation, transaction and information modification, JD.com's Ce Tian decision engine system, Tiandun account security and anti-fraud system and Skynet transaction risk monitoring system conduct background security scanning on each account behavior, calculate in real time, identify malicious behavior and high-risk orders, and get through to the mall distribution system to intercept the last mile high-risk orders. JD.COM white anti-theft brush is a unique advantage in the industry.
Set up a green channel for stolen brush feedback in the service hotline and establish a special processing flow. Jingdong Financial Customer Service will give priority to verification and handling. For users who are identified as stolen, the repayment responsibility is exempted, and the relevant accounts are treated specially, which will not affect the user's credit information.
JD.COM White Stripe Card is an electronic bank card jointly launched by JD.COM and Shanghai Bank. After successful opening, customers can bind third-party payment channels (WeChat, Alipay, mobile payment) for installment consumption. After the credit card consumption is divided into IOUs, the corresponding consumption amount is accounted into IOUs bill, and the customer can return IOUs according to the bill amount after billing.
In addition, the white card can also be used for WeChat transfer, red envelope and AA collection. Within certain limits (the specific use shall be subject to the page display).
Is the white card a savings card or a credit card? Please keep these differences in mind.
; ? JD.COM bought a white daughter card. You can get a virtual card after opening, and you can add WeChat or Alipay. However, many card friends are not very clear about white cards, and they will ask whether white cards are savings cards or credit cards. Today, I will answer your question.
Is the white card a savings card or a credit card?
Many friends know that credit cards also have virtual cards. After opening, you can get a set of card numbers, and you can spend them by binding WeChat or Alipay. The most obvious credit card is the credit line granted by the bank, which can be overdrawn in advance and repaid after use.
White cards are also virtual cards, but they are not credit cards. Actually, it's a savings card of Shanghai Bank, but it's different from ordinary savings cards. Although the credit line of Cary is not granted by the bank, it can be spent on the white line. After dividing the card with white lines, the available white lines will be reduced, and the used lines will be returned.
Different from the ordinary payment method of IOUs, the single payment amount of IOUs is more than 500. After the payment is successful, the repayment will be made on schedule according to the number of installments selected when the white card is distributed. If there is no interest-free overdraft, it will generate interest, and the daily interest rate is about five ten thousandths. Cancellation is not supported after white card installment, but installment can be terminated by prepayment.
The prepayment rules of IOUs are the same as the IOUs settlement rules. In addition to paying off the remaining installment principal, the installment prepayment service fee will be charged. The specific cost is subject to the page display. If the discount is useful in installment, the preferential part of the principal must be repaid in advance.
Is the white card a savings card or a credit card? I hope it helps you.
Is JD.COM White Stripe Card a credit card?
White card is a kind of savings card, which is essentially different from credit card. It is a virtual card jointly launched by JD.COM White Card and Shanghai Bank. The consumption channels of white cards and credit cards are the same, and they can be bound to third-party channels, which means that they can be consumed in these scenarios by binding WeChat and Alipay. White Card, jointly launched by JD.COM Platform and Shanghai Bank, is an installment card that can be bound to third-party channels for payment.
At present, there is a limit on the amount of white card, and the specific amount is determined by the evaluation and review of JD.COM Platform System. JD.COM white stripe card can use white stripe line in non-Jingdong payment scenario. White card can be regarded as the automatic installment business of JD.COM White Card. As long as the card trade fair is automatically divided into stages according to the number of stages selected at the time of opening, part of the principal and fees need to be paid for each stage.
Strictly speaking, the interest on IOUs is a handling fee, which is charged on a monthly basis. The specific interest rate depends on the number of periods, which is the same as that of JD.COM. No matter how many installments are divided, it will be implemented at the rate of 0.5%/ installment. It is not supported to divide the handling fee and principal of each period into current white bars, nor does it support the second installment. JD.COM White Card must be staged, with a handling fee of 0.5% for each stage. If you don't want to be phased, you can only use white cards. The difference between a white card and a credit card is that it is deducted from the white card when spending. In addition, the credit card quota is granted by bank evaluation, and the credit card quota is granted by Jingdong Finance's system evaluation. Spending with IOUs will deduct the amount of IOUs, but there is a difference between IOUs and IOUs in JD.COM. JD.COM IOUs can freely choose whether to use installment repayment, because they can choose whether to use interest-free installment. However, if the amount of each order of IOUs exceeds a certain amount, it will be repaid according to the number of installments you choose when you pay. IOUs are not interest-free and will generate interest. Generally, the daily interest rate is around five thousandths, which cannot be repaid after installment. If you want to pay back the remaining installments in advance, you have to charge the installment advance service fee.