At present, after the cancellation/return of the IOUs installment order without repayment, the IOUs installment service fee will be returned in proportion to the cancellation/return of the order. The repaid installment service fee will not be refunded.
JD.COM White Strip Installment Order Refund?
If your order is paid by the daytime quota, the amount will be returned to the daytime quota after the order is refunded, and there is no interest on this.
Can I cancel the installment payment of JD.COM IOUs?
Of course. JD.COM IOUs can be cancelled after the installment is successful. If you don't want to repay in installments, you can only choose to repay in advance and settle all the installment amounts at one time. However, JD.COM's IOU is paid off in advance, and the installment fee cannot be reduced, so it needs to be paid off together with the principal.
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.