There is a limit of 100 for Xiaojin Inventory 100, because the limit is granted according to the ratio of 1: 1. Moreover, unlike ordinary IOUs, the system does not regularly adjust the amount of IOUs. If you want to increase the amount of IOUs, you need to deposit more money. However, the money deposited will be temporarily frozen, and it is necessary to adjust the amount of IOUs to 0 before unfreezing the funds.

First of all, the number of white bars in JD.COM

At present, the maximum amount of IOUs in JD.COM is 1.5 million yuan. If the amount is not large, it is generally around 2000 to 5000 yuan, but this amount is not fixed. You can increase the number by improving your data activities in JD.COM. Take Apple 12, ios 14 and Jingdong Finance 6. 1. 10 as examples. At present, there are three types of IOUs in JD.COM. COM:

1, quota

The basic line of IOUs account, that is, the line obtained by comprehensive evaluation of the system; Every six months, JD.COM will adjust the quota according to the credit situation.

2. Temporary quotas

That is, the amount obtained through activities, cash withdrawal packages and automatic cash withdrawal by the system. The temporary quota is valid for a certain period of time and automatically becomes invalid after the expiration of the period. Temporary quotas can be applied before the annual shopping spree, which are the most effective, such as: 665438+2008 promotion, double 1 1, double 12, year-end promotion, etc.

3. Exclusive quota

That is, the amount obtained through the activity, the system automatically withdraws cash, etc. , and the exclusive amount is only reflected in the total amount of the payment page when purchasing the specified goods, and cannot be used for other purposes.

Second, JD.COM White Strip

“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.

The service scene of JD.COM Baitiao is gradually extended. At present, it cooperates with nearly 10 million online and offline businesses, 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.