If the user's credit is normal and there is no overdue or qualification change, then it may be that the system has detected other risks, such as account risk, so it will be locked.
If the user logs off the white note, the log-off status will also be locked. After JD.COM's IOUs are locked, IOUs cannot be consumed, coupons cannot be used, and related preferential activities do not support users' participation. It means that the service of the white note is temporarily stopped, and no one or any scene can use it after locking. But even if the IOUs are locked, users can still make repayment, which will not affect them.
If subsequent users want to apply for IOUs to unlock, the system will make a comprehensive evaluation according to the user's consumption habits and repayment habits, and those who meet the evaluation requirements can be unlocked successfully. Instead, it may remain locked.
1，" 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.
2. Since then, "Baitiao" 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. 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.