At present, many people choose to use the loan products of relevant e-commerce platforms when shopping, such as Ant Flower Garden and JD.COM White Strip, which are very convenient to use.

But what's the difference between JD.COM white stripes and ant white stripes? Which one is better?

Now let me introduce the difference between these two products.

First, let's take a look at the background of the brand:

JD.COM White Bar is a member privilege of "Pay first, then pay" launched by Jingdong Finance for Jingdong members. Users can use IOUs to pay for some products in JD.COM Mall. It is the first Internet consumer financial product in the Internet industry. In addition, the "White Strip" has also opened up O2O, 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.

Ant Flower Garden is an online shopping business of "buy this month and return it next month" provided by ant micro-loan under Ant Financial Services Group. On August 4, 20 16, the Ant Flower Garden Consumer Credit Asset-backed Securities Project was listed on the Shanghai Stock Exchange, which is also the first ABS of Internet consumer finance on the Shanghai Stock Exchange. According to statistics, 33% of users in Bai Hua are post-90s, 48.5% are post-80s, and 14.3% are post-70s. It can be seen that compared with other payment methods, ant flower buds attract more new generation consumer groups.

Secondly, we look at the loan amount of the two:

Users can apply for credit payment in JD.COM Baitiao, with the maximum personal credit limit of 15000 yuan.

Ant Flower Garden can enjoy a personal credit loan with a maximum amount of 50,000.

Then look at the difference from the interest-free period of the two:

If you use IOUs to pay on JD.COM website, you can enjoy a deferred payment period of up to 30 days or an installment payment of up to 24 days.

Users can prepay the amount of ant flower buds at the time of consumption, and make repayment on the 9th of the following month after receiving the goods. The longest interest-free period can reach 4 1 day. In addition to the consumption experience of "buy this month, pay it back next month, and it is super long and interest-free", Ant Flower Garden has also introduced the function of flower garden staging, and consumers can repay the money in 3, 6, 9, 12 months.

Next, from these two repayment methods:

In addition to other repayment methods, JD Finance also supports credit card repayment when using JD.COM IOUs.

Unlike JD.COM Baitiao, Ant Flower Shop does not support credit card repayment, that is to say, only the balance treasure or the balance or the money in the bank card can be repaid.

There are also great differences between the two in usage scenarios:

It is understood that JD.COM IOUs can be spent in JD.COM Mall, WeChat (WeChat path: discovery-shopping) and mobile QQ (QQ path: dynamic-shopping in JD.COM). COM), JD Finance App and some external businesses.

Ant flower buds support online and offline consumption. With the flower garden, you can not only pay in Taobao, Tmall and Alipay, but also pay offline, such as shopping malls, shops and so on.

On the differences between them from the perspective of credit reporting;

As to whether JD.COM Baitiao should apply for credit reporting, it is understood that Baitiao has started the related work of accessing the credit reporting system. That is to say, although we can use white bars for installment consumption, the relevant records on white bars will be reported to the credit information system in the future.

Overdue IOUs will result in a certain percentage of liquidated damages, which may also have a certain impact on credit and later use. At the same time, after the overdue IOUs, JD.COM will remind users to pay back through letters, short messages, e-mails, telephone reminders, letters, door-to-door visits and judicial channels. If necessary, it will also entrust an external agency to remind you. In order to avoid affecting you, please repay on time.

Although Ant Flower Garden has no credit for the time being, it will affect personal sesame credit if it is overdue. In other words, if your flower buds are not repaid in time, it will have an impact on your sesame credit score, resulting in penalty interest, which will further affect your use of products such as flower buds and borrowing buds. If the situation is serious, it may also affect your use of other financial services under Ali. Although Huayuan did not report to the central bank for credit information, the consequences of overdue are very serious and have a great impact!

We look at the difference between the two from the perspective of application threshold:

If you want to blossom, you need to meet several conditions: the age is greater than or equal to 18 years old, Alipay is bound to the mobile phone number, and Alipay is in normal use. For example, it may take some time for newly registered Alipay users to own a garden. At the same time, Ali will only open the entrance for you if your sesame credit score reaches 600. Some people have a sesame credit score of 600, but they can't bloom. This may be because your personal credit is not good. If you want to blossom, you'd better use Alipay, pay back on time, and don't be overdue.

If you want to open JD.COM, you can try to activate JD.COM White Bar, if you meet the activation conditions of JD.COM White Bar. After the activation is successful, you can make a white note. The application conditions for IOUs in JD.COM are relatively relaxed. Need to be a member of Jingdong, aged 18 or above. It should be noted that at present, only one debit note can be activated for the same ID card and mobile phone number. After activation, IOUs will be allocated according to your membership level and conditions.

The above content is the introduction of the difference between JD.COM white stripes and ant white stripes, hoping to bring you some help.