Of course you can.

You can prepay the outstanding bill or all the remaining amount to be repaid after the current bill is settled. The repayment amount can be entered manually, and the repayment amount shall not be less than 10 yuan. If it is in stages, it can be returned in advance at one time or in part.

What you need to be clear is that if there is an installment fee, even if the repayment is made in advance, the installment fee will still be charged. JD.COM IOUs can repay in advance regardless of the order system or the bill system. If installment is selected, the installment service fee will still be charged and the amount will remain unchanged.

“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 repay the loan in advance in JD.COM?

JD.COM IOUs can be repaid in advance. After paying the current bill, the user can prepay the unpaid bill or all the remaining amount to be repaid. The repayment amount can be entered manually, and the repayment amount shall not be less than 10 yuan. If the user is in stages, it can be returned in one time or in part in advance. The above is related to whether JD.COM IOUs can be repaid in advance.

How to repay the debt owed by JD.COM?

1. Automatic repayment: log in to JD.COM Mall APP and search for "JD". Business ",and then select" JD. Business limit ",click" Settings ",and then select" Automatic Repayment "after the webpage jumps, and the bill will be repaid automatically the day before the repayment date. Such a thing requires the user to associate a savings card account under a personal name and have enough balance;

2. Manual repayment: You can directly log in to JD.COM Mall APP, JD.COM official website APP or Jingdong Financial APP, and then find JD.COM IOU and select "Repay Now" to repay.

What happens if JD.COM's IOUs are overdue?

1. Function restriction: after the IOUs are overdue, the system may automatically lock the IOUs account in JD.COM, and the IOUs in JD.COM can no longer be used for trading after locking;

2. Negative records: overdue IOUs have a negative impact on users' reputation. The use of IOUs in JD.COM, including overdue status, will be reported to the credit, which is actually based on the personal credit report;

3. liquidated damages: if the minimum repayment amount is not settled before 24: 00 on the final repayment date, the system will collect liquidated damages on a daily basis in addition to the late payment fee;

4. Constantly urged: At first, I was urged by a white note from JD.COM, then by SMS, and then by mobile phone. If I don't pay back the money, I may rush my family.

Remember to return the overdue IOUs as soon as possible. If you can't pay back, check the website to see if there is a channel to apply for installment or minimum repayment. If not, you can consult customer service or call the service phone to apply for installment or negotiate an extension. This article is mainly about the knowledge of whether JD.COM IOUs can be repaid in advance, and the content is for reference only.

How to prepay JD.COM IOUs?

The operation process of prepayment of all IOUs in JD.COM is as follows:

1. Open and log in to the JD.COM application.

2. Click "My" at the bottom of the page to enter "My Wallet".

3. Click on the "white note" in the financial services column.

4. Enter the page of JD.COM White Slip, select "Withdraw Amount" and click the used amount.

5. Click "Prepayment" to pop up "Payment", then enter the repayment amount according to the remaining amount to be repaid, click "Pay Now" and enter the payment password to complete the repayment of all IOUs.

Operating environment:

Brand model: iPhone 13

System version: iOS 15.0

App version: 10.3.0

Extended data

1. How to repay the debt owed by JD.COM automatically and manually?

Automatic repayment of JD.COM IOUs needs to be set. Enter the JD.COM IOUs management interface, and you can see that IOUs automatic repayment has been started. Click enter. The way of automatic repayment can only be quick payment by bank card. If there is a bank card before, the reserved phone number of the bank card will automatically come out without filling in. Click to get the verification code, then enter the verification code, and click to open it immediately. This will realize automatic repayment. As for voluntary repayment, you can click on the repayment page directly, and it will be displayed after the repayment is successful.

Operating environment:

Brand model: iPhone 13

System version: iOS 15.0

App version: 10.3.0

Does it matter if 2.JD.COM prepays?

In fact, the prepayment of IOUs does not have much impact. Because the early repayment of IOUs will neither affect credit nor charge liquidated damages. However, it should be noted that if your IOU order is in installments, the prepayment installment service fee and principal will still be charged normally, and no other fees will be charged. In addition, if there is a refund after prepayment, the installment service fee paid will not be refunded.

Is it interest-free to repay the loan in advance in 3.JD.COM?

In JD.COM, prepayment by IOUs is interest-free; in JD.COM, there are two ways to pay IOUs. One way is to borrow money, and users can enjoy 30 days of delayed payment, and it is interest-free. The other is installment payment, with a maximum of 24 installments. If you choose to pay by installment, even if you repay in advance, the handling fee for subsequent installments will be charged as usual.

Can I pay off the IOUs in JD.COM in advance?

The operation process of prepayment of all IOUs in JD.COM is as follows:

1. Open and log in to the JD.COM application.

2. Click "My" at the bottom of the page to enter "My Wallet".

3. Click on the "white note" in the financial services column.

4. Enter the page of JD.COM White Slip, select "Withdraw Amount" and click the used amount.

5. Click "Prepayment" to pop up "Payment", then enter the repayment amount according to the remaining amount to be repaid, click "Pay Now" and enter the payment password to complete the repayment of all IOUs.

Operating environment:

Brand model: iPhone 13

System version: iOS 15.0

App version: 10.3.0

Extended data

1. How to repay the debt owed by JD.COM automatically and manually?

Automatic repayment of JD.COM IOUs needs to be set. Enter the JD.COM IOUs management interface, and you can see that IOUs automatic repayment has been started. Click enter. The way of automatic repayment can only be quick payment by bank card. If there is a bank card before, the reserved phone number of the bank card will automatically come out without filling in. Click to get the verification code, then enter the verification code, and click to open it immediately. This will realize automatic repayment. As for voluntary repayment, you can click on the repayment page directly, and it will be displayed after the repayment is successful.

Operating environment:

Brand model: iPhone 13

System version: iOS 15.0

App version: 10.3.0

Does it matter if 2.JD.COM prepays?

In fact, the prepayment of IOUs does not have much impact. Because the early repayment of IOUs will neither affect credit nor charge liquidated damages. However, it should be noted that if your IOU order is in installments, the prepayment installment service fee and principal will still be charged normally, and no other fees will be charged. In addition, if there is a refund after prepayment, the installment service fee paid will not be refunded.

Is it interest-free to repay the loan in advance in 3.JD.COM?

In JD.COM, prepayment by IOUs is interest-free; in JD.COM, there are two ways to pay IOUs. One way is to borrow money, and users can enjoy 30 days of delayed payment, and it is interest-free. The other is installment payment, with a maximum of 24 installments. If you choose to pay by installment, even if you repay in advance, the handling fee for subsequent installments will be charged as usual.