You don't have to use a credit card to borrow money from JD.COM. You can bind a savings card or a credit card.
The application conditions for JD.COM IOUs are as follows:
1, a real-name authentication user in JD.COM, and a Chinese mainland resident aged between 18-60.
2. Through the comprehensive evaluation of the system, the account number is mainly evaluated by the number of transactions and the number of goods purchased by users.
3. The bank card is bound, but only some savings cards and credit cards of some banks can be supported.
JD.COM IOUs only require the binding of bank cards, which can be divided into savings cards and credit cards, but there is no restriction that credit cards must be bound, so it is also possible to bind savings cards.
As long as you fill in the name, ID number and common address in the online banking wallet and bind the real-name authentication of the bank card, you can activate the white card in the JD.COM white card activation service. This bank card can be a savings card or a credit card.
Extended data
JD.COM IOU is a brand-new payment method of "consumption first, payment later" introduced by JD.COM. When you use IOUs to pay on JD.COM website, you can enjoy a deferred payment period of up to 30 days or a maximum of 24 installments. It is the first Internet consumer finance product in the industry.
JD.COM Baitiao 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 and so on, extending from credit purchase service to providing credit consumption loans, covering more consumption scenarios and providing credit consumption services for more consumers.
The repayment method of JD.COM IOUs is as follows:
If it is not installment payment, JD.COM IOUs can postpone payment for 30 days without generating interest rate. The installment service can be divided into three periods, six periods, 12 period and 24 periods. The rate standard is 0.5%- 1.2%, and the penalty rate is 0.05%/ day.
Repayment can be made through mobile phone Jingdong Finance PC terminal and client, Jingdong wallet client and Baitiao official website.
Can JD.COM IOUs only be bound with credit cards?
You can activate JD.COM IOUs with your savings card and credit card. The specific types of bank cards supported shall be based on the actual display at the time of activation. If the page prompts you to use a credit card, be sure to use it. There is no human intervention. It is suggested that after handling a supportable bank card, try to activate or keep a good consumption record and follow up.
The method of activating ordinary white bars is as follows:
1, the computer side activates the white bar.
Computer-side operation path: Jingdong Finance Home-White Bar-Activate White Bar
1. Log in to Jingdong Finance, enter the home page of IOUs, and click "Activate IOUs".
2. Click to activate the white bar to scan the QR code and download the Jingdong Financial APP for activation.
2. jingdong financial App activates the white strip.
Operation path: JD Finance App Home Page-White Strip-Activate immediately
1. Log in to Jingdong Financial App, and click the white bar to enter the white bar activation process.
(2) Click to activate immediately. If there is a quota left on that day, you can grab the quota. If there is no quota on that day, please try to grab the quota the next day. The quota is valid on the same day. Click "Start" to apply and accept the relevant agreement, and then follow the steps on the page to complete the activation.
3. Micro-fast credit granting
The short-term credit function of IOUs refers to the shops supported by customers under IOUs flash payment line. By scanning the code, customers can enter the fast white account and get a temporary experience quota. The experience quota is valid for 7 days. If the user uses this amount to spend white bars within 7 days (unlimited times and amount), the experience amount will be converted into the user's fixed amount. The specific quota is subject to the customer's homepage display. If there are no related promotional items in the store, it is recommended that you use Jingdong Financial APP or try to activate it on the PC side.
Tips: The activation result of white stripes is determined by the system based on the comprehensive evaluation of the materials you filled in, and manual intervention is impossible. If the system prompts "I can't provide you with the white note service for the time being", it means that you can't use the white note for the time being, and frequent operation may affect the success rate. If your activation result page prompts that you can buy financial blank or apply for white card blank, you can also try to follow the prompts. Here are some suggestions for writing a white note:
1, increase and maintain a good consumption record in JD.COM;
2. Purchase and use the wealth management products and services of Jingdong Finance;
3. Open up Xiaobai credit and improve Xiaobai credit score;
4. Try to activate it twice a month, and don't operate it frequently.
What bank cards, credit cards and savings cards does JD.COM IOUs support?
You can use a savings card and a credit card to activate JD.COM White Bar, but at present, we only support some users to activate with a savings card. Please follow the actual display when activating the white bar.
Activate white operation reference path:
The homepage of Jingdong Financial App-White Strip-is activated immediately, and follow the prompts on the page.
The activation conditions of JD.COM White Bar are as follows:
At present, the application for IOUs service has been opened to Jingdong members. Chinese mainland residents above 18 can try to apply for IOUs, and they can enjoy IOUs service after the application is passed. At present, the same ID card and the same mobile phone number can only activate one small white account.
What are white stripes in JD.COM? Do I need a credit card to apply? Is a debit card okay?
1, IOU is a brand-new payment method of "consumption first, payment later" introduced by JD.COM. When you use IOUs to pay on JD.COM website, you can enjoy deferred payment or up to 24 installments during the accounting period.
2. Debit cards and credit cards can be used to activate IOUs. The specific types of bank cards supported are subject to the actual display when you activate them.
Common white activation methods are as follows:
1, the computer side activates the white bar.
Computer-side operation path: Jingdong Finance Home-White Bar-Activate White Bar
2. jingdong financial App activates the white strip.
Operation path: JD Finance App Home Page-White Strip-Activate immediately
Which credit cards does JD.COM IOUs support?
Which credit cards does JD.COM IOUs support? List of banks supported by JD.COM White Bar
When a friend applies for an IOU in JD.COM, he knows that he is applying for a bound savings card or a credit card, but not all banks support it. So the question is, which banks does JD.COM White Bank support? Can I use China Merchants Bank card? Are the savings card and credit card the same bank? What is the standard?
1, JD.COM Baitiao does not support banks such as China Merchants Bank and Bank of Communications.
Although both banks issue a large amount of cards, the cooperation between merchants and banks requires an agreement. If no agreement is reached, it will be restricted. Please understand the mode of operation of the business community.
2. The leucorrhea in JD.COM is restricted by banks and places.
JD.COM Baitiao currently supports the use of bank cards and credit cards in most banks, but some local banks may not. Without support, they can't be bound. JD.COM White Bar cannot be activated without binding. Therefore, before applying, friends should first check whether they have a supported bank card.
Bank card supported by 3.JD.COM IOUs.
Savings card: (Only invited users can use the savings card)
China Construction Bank, Agricultural Bank, Shanghai Pudong Development Bank, most banks, Shanghai Bank.
Hangzhou Bank, China Guangfa Bank, China Bank, Huaxia Bank and Industrial Bank.
Credit card:
China Industrial and Commercial Bank, China Construction Bank, China Bank, Shanghai Pudong Development Bank, Minsheng Bank and China CITIC Bank.
China Everbright Bank, Huaxia Bank, Shanghai Bank, Hangzhou Bank, Nanjing Bank and Guangfa Bank.
I have something to say: Compared with bank card payment, JD.COM. COM saves half the time and the cost is 0.3% lower than that of credit card shopping, which is still very good. I believe that with the further development of JD.COM White Bank, there will be more and more bank support, so I have to understand what I haven't yet ~
Can I use JD.COM White Strip without a credit card?
You can also use JD.COM White Strip without a credit card.
JD.COM Baitiao is the first Internet consumer finance product in the industry. "Pay first and then pay back", enjoy a maximum interest-free period of 30 days and a maximum of 24 installments. Log in to Baitiao official website or Jingdong Financial APP- Baitiao, and you can enter the page to apply for activation independently. JD.COM mall users are eligible to activate the "white note" for mall consumption.
According to the person in charge of risk control of Jingdong Financial Consumer Finance Division, the consumer finance business has no credit that needs manual approval, and users are identified through the risk control big data model. The control system after the typhoon will "identify" users according to their shopping habits, credit status and the stability of the receiving address. , combined with various factors and data, and then quickly give the evaluation results of whether the "white strip" can be activated.
Extended data:
JD.COM' s loan was blocked by a credit card and was accused of "returning credit with credit";
According to the regulations of the regulatory authorities, the overdraft limit of personal credit cards of commercial banks (excluding Huinong credit cards serving agriculture, rural areas and farmers) should be used in the consumption field, not in the non-consumption fields such as production, operation and investment. Customers can't use credit card overdraft to recharge their payment accounts. Some insiders said that the practices of China Merchants Bank and Bank of Communications are understandable.
JD.COM IOUs can provide customers with two different payment methods, namely, deferred payment for up to 30 days or installment payment for 3-24 months, and a certain credit line. The function of this product is very similar to that of a credit card and can be regarded as a credit product. If the customer chooses to use the bank credit card to repay the loan, it belongs to the behavior of "repaying the loan with a loan" and there is compliance risk.
The person also pointed out that the ant "flower bud" is similar in nature to JD.COM. COM, you can't repay by credit card, but only support quick payment with automatic deduction from the user's balance, balance treasure and debit card. Compared with credit card repayment, this practice is more secure. It is worth noting that experts also have different views on the storm caused by the repayment of IOUs.
Some people think that we should face up to the risk of IOUs in credit card repayment. Dong Ximiao, a visiting researcher at Chongyang Financial Research Institute of Renmin University of China, said that although Jingdong Finance said that the loan was a product purchased on credit, from the actual function, its characteristics of credit granting, overdraft, repayment and installment can be recognized as products similar to loans or credit cards.
Credit rating itself is the threshold to realize early consumption. So credit card repayment does have risks. Liu Yinping, a financial analyst at Rong 360, pointed out that it is illegal to use JD.COM IOUs to postpone payment, which is a kind of "credit for credit". Although it has not been banned by the regulatory authorities, it is hovering in the gray area.
Baidu Encyclopedia-JD.COM Baitiao
People's Daily Online -JD.COM Why is the white note banned by the credit card and accused of "returning credit with credit"?
So much for the introduction of credit cards supported by JD.COM IOUs.