JD.COM baitiao
White stripes are a payment method in JD.COM, similar to Alipay flowers. However, the usage scenarios of white stripes in JD.COM are different, and they are mainly supported in JD.COM. COM, Store 1 and other places.
JD.COM White Bar, like Flower Bar, users can't apply voluntarily, and the system decides whether to activate it according to the user's credit.
Write a white note in JD.COM. COM's vault is a way for JD.COM to activate IOUs for users. Users can get the opportunity to apply for IOUs by depositing certain funds into their own small vault accounts.
The amount of funds deposited should be the same as the amount of IOUs, that is, when the amount of IOUs is 1 000 yuan, the amount of small deposits should not be less than 1 000 yuan.
However, saving money in the small vault can only get the opportunity to activate the white note, and whether it can be activated successfully in the end still needs to wait for the system to review, that is to say, when the system judges that the user's credit is not high, even if the small vault saves money, it cannot open the white note.
As a new way to activate IOUs, the ratio of the amount deposited in the small vault to IOUs is 1: 1. Customers need to deposit funds ranging from 100 yuan to 30,000 yuan in Jingdong Small Treasury through Jingdong Finance before they have the opportunity to open IOUs.
Is it worthwhile to write IOUs in JD.COM? COM's coffers?
When the IOU is opened, the amount deposited in the small vault will be temporarily frozen. From the perspective of overdraft consumption, the advantage of opening a white note in the small vault is not outstanding, because the amount of overdraft means the amount that must be deposited in the small vault.
However, although the frozen funds cannot be used, it does not affect the expected income of the Monetary Fund. Its function is similar to Alipay reserve fund, which can borrow money for a short time and obtain the expected income of small investment.
What's the point of writing a white note in JD? COM's coffers?
The significance of saving money into the small vault of Jingdong to open IOUs is that customers can try IOUs first, thus stimulating consumption. After that, if customers accumulate more good credit, they can officially upgrade to ordinary IOUs. Also, the locked funds deposited in the small vault can enjoy certain benefits.