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.
What do you mean, how much money is deposited in JD.COM's IOU?
JD.COM IOUs deposit as much as possible, that is, users will deposit a sum of money in the small vault in JD.COM, and then spend as much as possible on IOUs, so how much money will be frozen in the corresponding small vault in JD.COM. However, although some of the money in the small vault of Jingdong has been frozen, they still enjoy the income settlement of the small vault.
White note is a brand-new payment method of "consumption first, payment later" launched by Jingdong Finance. If you use IOUs to pay on JD.COM website, you can enjoy deferred payment or up to 24 installments during the accounting period. IOUs are divided into fixed quota, temporary quota and exclusive quota. Fixed quota: the basic quota of a blank account, that is, the quota obtained by comprehensive evaluation of the system. As long as the blank account is in a normal state, the fixed line can be recycled. Temporary line: the line obtained through activities and automatically recovered by the system is valid within a certain period of time, and automatically becomes invalid after the period expires. Temporary quotas can be recovered within the validity period of quotas. Exclusive quota: it is only reflected in the total amount of the payment page when purchasing the specified goods, and does not enjoy the revolving quota. The validity period is subject to the relevant activity rules. As the exclusive quota is a one-time quota, after the user uses/cancels the order, the exclusive quota cannot be returned and can not be used again.
In general, it is a new way to activate IOUs by depositing IOUs in the vault. By depositing 100 yuan to 30,000 yuan in the small vault through Jingdong Finance, you can get the qualification to activate the IOUs. The ratio of the required amount of the small vault to the amount of the loan is 1: 1. The limit of IOUs ranges from 100 yuan to 30,000 yuan. Every time the limit is raised, it needs to be a multiple of 100 yuan, and the reduction will depend on the actual consumption situation. For example, 500 yuan's quota is 150 yuan, which can be lowered to 150 yuan. If you want to withdraw, you can lower the limit of white bars. "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.
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.
Deposit 100 yuan into the small vault and write blank.
Deposit 100 yuan into the East Small Treasury and open a blank. After the successful opening, IOUs will have a loan amount of 100 yuan, because the ratio of the required amount of small treasury to IOUs is 1: 1.
If you want to get 3000 IOUs, you need to deposit 3000 yuan in the small vault. Therefore, if users want to get more credit when writing IOUs, they must deposit more money in the small vault. Users can deposit 100-30000 in the small vault to get the qualification to open the blank, and whether it can be opened successfully depends on the page display.
Deposit 100, draw out a blank.
The limit of IOUs ranges from 100 yuan to 30,000 yuan. Every time the limit is raised, it needs to be a multiple of 100 yuan, and the reduction will depend on the actual consumption situation. For example, 500 yuan's quota is 150 yuan, which can be lowered to 150 yuan.
The limit of IOUs ranges from 100 yuan to 30,000 yuan. Every time the limit is raised, it needs to be a multiple of 100 yuan, and the reduction will depend on the actual consumption situation. For example, 500 yuan's quota is 150 yuan, which can be lowered to 150 yuan. If it is necessary to unfreeze the vault frozen when the IOUs are opened, you need to log in to the IOUs-IOUs Available Quota-Quota Management to reduce the quota (the lower limit is the debt of the current IOUs) in Jingdong Financial APP. After the adjustment, the pocket money of Jingdong Small Treasury will be thawed immediately and can be transferred out after thawing.