The minimum repayment amount of JD.COM IOUs is 10% of the installment amount of this consumption plus other payables. The remaining unpaid amount can no longer enjoy the interest-free repayment treatment, and the service fee is charged on a daily basis.
JD.COM Baitiao didn't buy things by installment at that time. Do you start to pay in installments next month?
1. If the total bill for the current period is phased, then there is no need to pay it back in the current month. After the bill is divided into installments, the first installment is included in the next installment, and no repayment is required in this installment.
2. If the current bill is in partial installments, the remaining undistributed amount shall be returned in the current month.
Example: the billing date of the user is February 1, the billing cycle of this period is1-1.31,the repayment date is February 10, and the total billing amount of this period is 1000 yuan.
If the total bill of this period is 65,438+0,000 yuan in installments during the period of 2. 1-2. 10, the repayment date of the first installment is 3. 10.
If a part of 900 yuan's current bill is repaid in installments during the period of 2. 1-2. 10, the current repayment is 100 yuan, and the first installment of the installment amount is 3. 10.
Rules of bill installment: bill installment amount = undistributed expected repayment amount of this consumption *90%.
1) The following situations cannot be carried out in stages.
① The order has been phased.
② Late payment
③ The order amount is less than 10 yuan.
2) Time for bookkeeping by installment: bookkeeping date (inclusive)-repayment date (inclusive).
3) Orders can be temporarily stored during consumption, and only statements can be temporarily stored after consumption.
4) After the bill is divided into installments, the first installment is included in the next installment, and there is no need to repay in this installment.
5) The application for installment payment is irrevocable.
6) The installment amount can be entered manually, and the minimum installment amount is not less than 100 yuan.
7) After the bill is divided into installments, if the user has a refund, the installment service fee will not be refunded.
8) The installment of the bill will be synchronized with the installment amount of each order, and each order is an installment with the same number of installments. The bill installment service fee is the accumulation of the installment service fee for each order.
9) In the case of prepayment or minimum repayment, the bill can still be divided into installments as long as the above conditions are met.
Will the JD.COM IOUs be returned that month?
JD.COM's IOU will be repaid next month. IOUs are loan products that are consumed in the current month and repaid in the next month. Most of the amount consumed in the current month will be recorded in the next month's bill, that is, users need to repay in the next month. However, if the current bill contains a very small amount of consumption, the user needs to repay the loan in the current month after using the loan in the current month. As long as you pay attention to the consumption time, there will be no consumption and repayment in the current month. _ After the billing date, all the consumption amount will be included in next month's bill, so that users can make repayment next month.
“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.