JD.COM IOU cannot be extended after repayment date, so it is recommended to repay it on time, otherwise it will be overdue, which will affect your credit and life. If the current bill cannot be paid in full, the minimum repayment amount can be paid on time before the final repayment date. Only paying the minimum repayment amount will not affect your personal credit, but the remaining payable bill amount will be charged a certain percentage of service fee on a daily basis (starting from 0.05%/ day) and included in the next expected repayment bill.
JD.COM IOUs belong to credit products. In order not to affect your personal credit, it is recommended that you repay on time to avoid bad use records.
How to delay the repayment of JD.COM IOUs?
JD.COM cannot apply for deferred repayment due to IOUs,
If the minimum repayment amount is not paid after the final repayment date, it will be overdue, resulting in a handling fee, which will have a negative impact on personal credit information.
Users can check the last repayment date through Jingdong Financial APP- White Slip-* Monthly Statement (* stands for month). If the funds are difficult, it is suggested to choose the minimum repayment amount or installment repayment to relieve the pressure.
“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.
As the first Internet consumer finance product in the industry, "White Strip" was initially only provided for users to shop in JD.COM Mall. In fact, it relies on JD.COM Mall to provide users with credit purchase services. In April of 20 15, "Baitiao" 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, etc., extending from credit house purchase service to providing credit loans, covering more consumption scenarios and providing services for more consumers.
2065438+In March 2006, JD Finance launched the first cash loan product-JD.COM Gold Bar, which tailored the cash loan service for IOUs with good credit. It is an extension of IOUs credit in the cash consumption scenario.
JD.COM Gold Bar adopts differentiated credit granting and interest rate pricing, and provides cash loan service with the maximum credit line of 200,000 yuan and the longest installment 12 months, with daily interest, with the daily interest rate not exceeding 0.05%.
On August 20 16, the white stripes were merged into jingdong wallet. As an important channel entrance of Jingdong wallet, white stripes have moved from online to more mobile scenes, such as sogou, Lufthansa Mall and Jingkelong Supermarket.
In addition, Baitiao also cooperated with China CITIC Bank and China Everbright Bank to launch joint credit cards, also known as "small white cards". This is a "internet plus" credit card, which is sought after by young people born in 1990s. It is also the first credit card for many young people. This card further embodies the role of IOUs as credit connectors between the Internet and banks, online and offline, and enjoys the combined rights and interests of banks and the Internet.
JD.COM's IOUs are overdue. How to negotiate deferred repayment?
First, open the mobile app to enter the home page, and click the white bar at the top of the page, as shown in the figure below.
Then enter the white page and click Return to the current month, as shown below.
Finally, enter my bill page, and click the following deferred repayment, as shown in the figure below.
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Can I apply for deferred repayment for JD.COM IOUs?
You can't.
JD.COM IOUs will be paid in installments. If the user does not have enough repayment ability, he can continue to choose installment repayment or choose the minimum repayment amount. Because there is no grace period for repayment of IOUs, as long as there is no repayment on the repayment date, the system will regard the user as overdue. Therefore, if the loan is overdue, the user must repay it on time. Of course, if the IOU chooses installment repayment or minimum repayment amount, you need to pay extra fees, which reduces the repayment pressure of each installment, but increases the final repayment amount.