The operation process of prepayment of all IOUs in JD.COM is as follows:
1. Open and log in to the JD.COM application.
2. Click "My" at the bottom of the page to enter "My Wallet".
3. Click on the "white note" in the financial services column.
4. Enter the page of JD.COM White Slip, select "Withdraw Amount" and click the used amount.
5. Click "Prepayment" to pop up "Payment", then enter the repayment amount according to the remaining amount to be repaid, click "Pay Now" and enter the payment password to complete the repayment of all IOUs.
Operating environment:
Brand model: iPhone 13
System version: iOS 15.0
App version: 10.3.0
Extended data
1. How to repay the debt owed by JD.COM automatically and manually?
Automatic repayment of JD.COM IOUs needs to be set. Enter the JD.COM IOUs management interface, and you can see that IOUs automatic repayment has been started. Click enter. The way of automatic repayment can only be quick payment by bank card. If there is a bank card before, the reserved phone number of the bank card will automatically come out without filling in. Click to get the verification code, then enter the verification code, and click to open it immediately. This will realize automatic repayment. As for voluntary repayment, you can click on the repayment page directly, and it will be displayed after the repayment is successful.
Operating environment:
Brand model: iPhone 13
System version: iOS 15.0
App version: 10.3.0
Does it matter if 2.JD.COM prepays?
In fact, the prepayment of IOUs does not have much impact. Because the early repayment of IOUs will neither affect credit nor charge liquidated damages. However, it should be noted that if your IOU order is in installments, the prepayment installment service fee and principal will still be charged normally, and no other fees will be charged. In addition, if there is a refund after prepayment, the installment service fee paid will not be refunded.
Is it interest-free to repay the loan in advance in 3.JD.COM?
In JD.COM, prepayment by IOUs is interest-free; in JD.COM, there are two ways to pay IOUs. One way is to borrow money, and users can enjoy 30 days of delayed payment, and it is interest-free. The other is installment payment, with a maximum of 24 installments. If you choose to pay by installment, even if you repay in advance, the handling fee for subsequent installments will be charged as usual.
Does it matter if JD.COM borrows money to repay in advance?
Early repayment proves that your repayment ability is basically irrelevant, but if it is overdue, it will affect your reputation, so you should repay it regularly when you can.
Is there a problem with prepayment of JD.COM IOUs?
No problem. If the loan is repaid on time, there will be no interest on the loan. If you don't pay back on time, there will be interest, but there will be no interest until the day you pay off. Pay it back quickly.
Yes, JD Pay the arrears in advance to increase the total amount? Will you accumulate credit? Will it affect the advance payment of IOUs in Jingdong Financial App?
The early repayment of Jingdong Financial App White Strips will not affect credit, nor will it charge liquidated damages; However, if the white bill is repaid in advance by installments, the installment service fee and principal will be charged normally. Other than that, there is no extra charge. Does it affect the prepayment of JD.COM IOUs?
1, JD.COM's IOUs were not affected in advance.
2.JD.COM IOUs prepayment will not affect personal credit information, and prepayment and overdue repayment are different in nature.
3. Secondly, JD.COM IOUs will not charge corresponding liquidated damages or prepayment fees for prepayment, so it will not increase the repayment burden of the repayers.
JD。 The IOUs of COM will be paid in advance in one lump sum. Will the quota be reduced?
JD.COM IOUs will not be reduced if they are returned in advance after installment.
At present, the business of Jingdong Financial Gold Bar, White Bar and Jingnong Loan has started credit access.
1. IOUs are updated once a month for letters and newspapers. According to reports, JD.COM IOUs are accessing the credit report, and the specific consumption details of IOUs will not be reflected in the credit report. JD.COM IOUs will not reflect every consumption in the newspaper, but will update the liabilities monthly according to the bill.
2. The subject of the report is "Chongqing Liangjiang New Area Shengji Microfinance Co., Ltd.". According to the credit authorization of JD.COM Baitiao Service Agreement, the terms of service are as follows:
(1) I (or the licensee) fully understand and agree that your company (or the licensee) will provide me with loan services. In order to objectively and accurately evaluate my credit rating and credit limit and provide me with quality service, I agree and authorize the use of my relevant necessary information and third-party data for inquiry.
② I authorize your company to inquire, print and save my identity information, personal credit report and credit information including credit information (including but not limited to debt information, solvency judgment information and bad information generated when I handle business with the lender) through the financial credit information basic database, and provide the above information to the financial credit information basic database, China Internet Finance Association and China Payment and Clearing Association. The use is limited to: the authorized person accepts personal loan business in JD.COM (including pre-loan, in-loan and post-loan stages such as application review and withdrawal review); Handle the objection of the authorizer's application for credit information.
(3) I authorize your company to collect and provide my information and credit information in compliance with relevant regulations to the basic database of financial credit information, China Internet Finance Association and China Payment and Clearing Association, including but not limited to credit information and information that has a negative impact on my credit status (including bad information generated when I handle business with the licensee).
If any qualified third party trusts or uses the above information, which causes adverse effects or property, credit and other losses to me, the Licensee will not be responsible for this.
Can I return the loan in advance?
JD.COM's IOUs can be paid off in advance. Invoicing IOUs can prepay the unpaid bills or all the remaining amounts to be repaid after the current bills are settled. The repayment amount can be entered manually, but it cannot be less than 10 yuan. Order-based IOUs can be used to prepay a single order or multiple orders.
Operation path:
1, prepayment without bill.
Computer-side operation path: Jingdong Financial House-my assets-my IOUs-no bills-all paid off.
Jingdong financial App operation path: jingdong financial APP home page-white note -X month without bill-pay off in advance.
2. The balance of invoiced IOUs shall be fully paid off.
Computer-side operation path: Jingdong Financial House-my assets-my IOUs-no bills-all paid off.
Jingdong financial App operation path: jingdong financial APP home page-white bill -X monthly bill-all white bills-pay off at one time.
3. Order-based IOUs are repaid in advance
Computer-side operation path: JD Finance Home-My Assets-My IOUs, select the order to be repaid for consolidated payment or directly select "Repay Now" for all the orders to be repaid in a certain period of time.
① Consolidated payment:
(2) Payment for a single order:
Operation path of JD Finance App: JD Finance App homepage-blank-to be returned in the last seven days/to be returned this month-all bills-blank, select "Repay immediately" for the order to be returned, jump to the cashier page, complete the payment according to the page prompts, and the repayment is successful.
What is the impact of prepayment of IOUs?
JD.COM IOUs support users to repay in advance, which belongs to normal repayment, and normal repayment will not have a negative impact. However, overdue repayment of IOUs will have overdue records uploaded to the credit information, which will have a negative impact on the user's credit information and lead to poor credit information. Therefore, timely repayment and early repayment of IOUs will not affect users' credit.
1.JD.COM White Bar is the first Internet credit payment product launched by JD.COM. It is a credit payment service for users with high credit rating and consumer demand through credit evaluation of big data. 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.
Second, the "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 and wedding. , extending from credit 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 has been gradually extended, and it has cooperated 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. In addition to providing convenience for users to pay by installments at will, Baitiao launched the official creative product store-Time Grocery Store, adhering to strict aesthetic standards and quality standards, creating and selecting various beautiful and interesting life gadgets for users, and establishing a healthy and quality life attitude with young people.
Thirdly, while JD.COM Baitiao brings convenience to users, it also pays great attention to the safety of users being stolen by JD.COM Baitiao. In the whole process of account login, activation, transaction and information modification, JD.com's Ce Tian decision engine system, Tiandun account security and anti-fraud system and Skynet transaction risk monitoring system conduct background security scanning on each account behavior, calculate in real time, identify malicious behavior and high-risk orders, and get through to the mall distribution system to intercept the last mile high-risk orders. JD.COM white anti-theft brush is a unique advantage in the industry. Set up a green channel for stolen brush feedback in the service hotline and establish a special processing flow. Jingdong Financial Customer Service will give priority to verification and handling. For users who are identified as stolen, the repayment responsibility is exempted, and the relevant accounts are treated specially, which will not affect the user's credit information.