1. No deposit is required to open JD.COM IOUs through Jingdong Finance. Only by opening a white note through the small vault can funds be deposited. If you don't want to deposit money, you can open a JD.COM IOU through Jingdong Finance.
(1) The amount of IOUs issued by the coffers is determined according to the funds deposited by the users in the coffers. The range of IOUs for small treasury is100-30,000 yuan, and the ratio of the required amount of small treasury to IOUs is 1: 1.
(2) The amount of IOUs issued through the small treasury is100-30,000 yuan, and the upper limit of adjustment is 30,000 yuan.
2. White note is a brand-new payment method introduced by JD.COM, which is to consume first and then pay. If you use IOUs to pay on JD.COM website, you can enjoy deferred payment or up to 24 installments during the accounting period.
3. The operating steps of activating the IOU by JD Finance are as follows:
(1) Baidu searches for JD Finance, and click to enter JD Finance official website.
(2) Enter the homepage of Jingdong Finance.
(3) Click the white bar.
(4) Click to activate the white bar.
Extended data
1, white charging standard (order system):
(1) Calculation of the installment service rate of IOUs: the installment service rate of IOUs is 0.5%- 1.2% (month). Calculation formula: installment service fee = consumption principal × installment service rate (month).
(2) Calculation of liquidated damages for IOUs: the rate of liquidated damages for IOUs is 0.07% (days). Calculation formula: total liquidated damages = total unpaid amount payable (all unpaid principal+all unpaid installment service fee) * liquidated damages rate * days of default.
2. White bill charging standard (bill system):
(1) Calculation of the installment service rate of IOUs: the installment service rate of IOUs is 0.5%- 1.2% (month). The calculation formula is: installment service fee = installment principal × installment service rate (month).
(2) Calculation of daily service fee for IOUs: the daily service fee for IOUs system is 0.05% (day). If the repayment cannot be made in full on the final repayment date, the service fee will be charged on a daily basis for the remaining amount to be repaid. The calculation formula is: daily service fee = (expected repayment amount-actual repayment amount) × daily service rate× days.
(3) Tips: When the user encounters financial pressure temporarily, the bill installment function can be used: as long as the bill installment is operated from the billing date to the repayment date, after the installment is successful, the installment amount will be repaid in the first installment of the next bill, and the installment amount will not be repaid in the lending month, thus alleviating the financial pressure of the user.
(4) Calculation of liquidated damages for IOUs: the liquidated damages rate of IOUs system is 0.0 15% (days). If the minimum repayment amount is not paid off before the repayment date, the system will charge liquidated damages on a daily basis in addition to the daily service fee. The calculation formula is: liquidated damages = (total expected repayment amount-actual repayment amount) × liquidated damages rate× days of default (when the actual repayment amount is less than the minimum repayment amount in the current period).
(5) Tips: When the user encounters financial pressure temporarily, the bill installment function can be used: as long as the bill installment is operated from the billing date to the repayment date, after the installment is successful, the installment amount will be repaid in the first installment of the next bill, and the installment amount will not be repaid in the lending month, thus alleviating the financial pressure of the user.
JD.COM wants to transfer money to 500 yuan to write IOUs.
It is free to write IOUs in JD.COM, and there is no need to transfer money. JD.COM White Bar is a credit product owned by JD Finance, which is paid after consumption. JD.COM Baitiao Backstage will analyze the shopping situation of each customer, and whether users often use JD.COM for shopping is also a criterion. After the background evaluation is passed, the user can get the qualification to write a white note. There is no need to pay fees during the opening process, but if it is used, it must be repaid on time. If someone tells you how much you need to pay when writing a white note, it is a lie.
Steps to open white bars in JD. COM: First, you need to open and log in to your personal JD.COM Mall; Then choose "My" and find JD.COM White Strip; Click "Activate the white note immediately" and complete the verification of personal mobile phone number to open the white note service.
Why should JD.COM save money by opening white bars?
If JD.COM IOUs need to deposit money before they can have a quota, it is estimated that the customer has deposited the money into the small vault in JD.COM and opened IOUs. Therefore, customers naturally need to deposit enough money into JD.COM's small vault and lock it, and then IOUs can have the corresponding amount for customers to use.
However, the ratio of the amount of Jingdong Small Treasury to the amount of IOUs is 1: 1. Customers generally need to deposit about100000 to 30000 yuan in the small vault through Jingdong Finance before they can write IOUs.
Of course, everyone needs to pay attention to the fact that as long as you make good use of white bars and accumulate good credit, you will have the opportunity to upgrade to ordinary white bars. After the upgrade is successful, the customer only needs to obtain the real credit line provided by Jingdong Finance, and then the customer can unlock the funds in the small vault and transfer them out, without saving money to obtain the line.
Of course, if the IOUs are not opened by depositing money in the small vault, but directly applied by customers, the IOUs opened after the conditions meet the standards will generally have a credit line provided by the system, and customers do not need to deposit money.
“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.
Why do you want to save the white note first?
If the system asks you to deposit money when you open a JD.COM IOU, the customer may not open an ordinary IOU, but a IOU in a small vault. Therefore, the customer must deposit a certain amount in the Jingdong small vault to successfully open the IOUs, and then there will be a corresponding amount.
Otherwise, there is generally no need to pay for ordinary IOUs. As long as the customer's credit is up to standard, it will often succeed. The basic conditions for writing IOUs are:
1. Need a member of Jingdong and be a resident of Chinese mainland;
2. The age is between 18 and 55;
3.JD.COM's account has completed real-name authentication, the account status is normal, and it has not been appealed;
4. Personal credit is good, with a small white credit score of more than 80 points;
5. Only one blank account can be activated with the same ID card and mobile phone number.
It should be noted that if the IOUs are opened through the small vault, the funds stored in the small vault will be unlocked, and the IOUs quota is estimated to be reduced accordingly. It is suggested that customers accumulate more good credit, so as to successfully upgrade to ordinary IOUs and obtain the credit line provided by the system.
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.