1. If the user can no longer use the IOUs because the available amount has reached the upper limit, it is suggested to change to other payment methods for consumption, and do not use IOUs for the time being.
Second, if the current order consumption fails to pass the comprehensive evaluation of the system, it will also lead to consumption failure. Note: You can check whether there are overdue IOUs. If there are overdue debts, you need to pay them back as soon as possible, and then see the new results after system evaluation within 10 working days.
Third, you can consult the official customer service. Is it because Shanghai Bank is maintaining and upgrading the system, so it doesn't support it now? If this is the reason, you can try again later.
White card is a joint venture between JD.COM Platform and Shanghai Bank, and it is an installment card that can be bound to third-party channels for payment.
First, how to use the white card?
Users can bind the white card (Shanghai Bank Savings Card) to WeChat, Alipay or mobile phone pay for payment. When choosing the white card option, it will be automatically phased according to the installment set by the user and directly deduct the consumption quota.
Second, why did Baika refuse to trade?
1. There is a quota limit for the issuance of white cards, and the specific quota is determined by the system evaluation and review of JD.COM Platform. If the user's current consumption reminder has been restricted, it means that continued use is not supported and can only be replaced by other payment methods.
2. The user's current blank has been closed, and blank and blank cards cannot be used. If you want to resume the use of IOUs, users need to log in to Jingdong Financial APP and wait for the system review. The results of the review cannot be artificially interfered. If the audit fails, the user can wait 30 days and try again.
3. There are restrictions on the function of white card, and services such as WeChat balance recharge, credit card repayment and fund purchase are not supported for the time being.
Why couldn't JD.COM use white stripes when he was a child?
If you can't pay for consumption in JD.COM with white stripes, it is probably caused by the following reasons:
1. The merchant does not support IOUs payment.
White bars cannot be consumed by all merchants in JD.COM. Generally support 1 store and JD.COM website (JD.COM Pharmacy is not supported for the time being), some third-party merchants' physical goods, some virtual goods, pre-sale balance, global purchase, JD.COM crowdfunding, and some external merchants.
2. The consumption amount exceeds the prescribed limit.
JD.COM Baitiao recharges the phone bill, traffic and QQ in JD.COM Mall, with a monthly limit of 300 to1000; Jingdong wallet is swept, and Jingdong pays (white bars) consumption, with a monthly limit of 3,000 (the specific limit is subject to the page display).
3. The available amount in the account is insufficient.
When the available amount of IOUs is lower than the commodity amount, users cannot use IOUs to pay for transactions. Even if installment payment is selected, there must be enough money in the account to pay the payment in one lump sum, and there is no installment payment (but subsequent users can repay by installments according to the number of installments selected).
4. It is risky to systematically monitor the transaction.
The system will evaluate every transaction of Baitiao. If the monitoring finds that there are certain risks in the current trading environment (such as suspecting that the transaction was not made by myself, suspecting that it was stolen by others, or thinking that the consumer's business is not standardized, etc.). ), it is likely to limit transactions in order to avoid risks.
5, illegal tx
Or suspected tx
The user's white note has not yet enabled the cash withdrawal function, but the user insists on violating tx.
, resulting in increased account risk, so the use is restricted. Note that if you always consume IOUs in the same store, frequently consume IOUs in large amounts (even empty the quota at one time), and often consume IOUs during unconventional business hours such as early morning or midnight, you may also be suspected of tx by the system.
Operation.
6.JD。 The account of COM was appealed.
After shopping in JD.COM, users often have bad reviews and returns. And was complained by the merchants, so it entered the risk list of the platform. Naturally, the platform will no longer provide white note services for such users.
7. The overdue frozen amount of overdue repayment of IOUs.
Recently, due to overdue repayment of IOUs, personal credit was damaged due to failure to repay on time within the stipulated repayment period. Therefore, the system freezes the quota, closes the account, and restricts the white note function.
8. Personal credit information has a bad record.
There are some bad records in the user's personal credit report, such as credit card overdraft and other credit or guarantee overdue. Jingdong Finance is connected to the central bank's credit report. After systematic evaluation, most of them will restrict the use of white bars.
9. Account instability is risk-controlled.
Because the account is always logged in from different places, the account number of different devices is frequently changed, the account information is frequently modified, or the authenticated identity information is out of date. , resulting in security risks in the account, thus triggering system risk control.
10. The system is being maintained and upgraded.
The background system is being maintained and upgraded to deal with faults or optimize services. During this period, the system will temporarily lock the account and suspend the white note service.
Why can't I use the number of white bars in JD.COM?
1. If the system doesn't prompt you to exceed the upper limit of IOUs, but you can't pay the order with IOUs, the transaction fails the system evaluation. In JD.COM, you can't use JD.COM IOUs to pay for physical goods such as mobile phones, because when you buy goods, the IOUs system will make a comprehensive evaluation according to the types of goods and the trading environment. In this case, you can also try other payment methods, but in this case, the IOUs trade in JD.COM is limited.
2. There is also a daily limit for the payment of IOUs. The daily limit of online trading is 1500 yuan, and the monthly limit is 3000-5000 yuan. This trading limit has been changing. If the day's transaction exceeds the limit, it will lead to the invalidation of the loan. If the consumption amount of a single credit card is too large, it will also lead to the inability to use white flash payment. If the user has overdue repayment when using JD.COM IOUs, the system will directly turn off the user's IOUs flash payment function, making IOUs flash payment unusable. In this case, if you want to reopen, you must fulfill the repayment obligation and wait for Jingdong Finance to re-examine the user's opening qualification.
“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.
Can I use white stripes in Yonghui Supermarket when I get home in JD.COM?
It's not working now.
It's not working now. You can use white stripes in the future. Whether JD.COM can use IOUs after returning home depends on the actual payment page. Cooperative merchants can pay with white bars, and non-cooperative merchants will show that white bars are not available.