JD.COM White Strip is a financial technology product owned by JD.COM and the first batch of Internet credit consumption products in China. Therefore, JD.COM White Bar is a very formal and legal Internet credit consumption platform. That is, because JD.COM's IOUs are very formal, JD.COM's IOUs have been docked with the personal credit information system of the People's Bank of China for a long time.

In other words, all the financial business consumption behaviors of users in JD.COM Baitiao will be directly recorded in the personal credit information system of the central bank, and JD.COM Baitiao will really collect credit information at the meeting.

When you use JD.COM IOUs, you must repay them on schedule. When the IOUs approach the repayment date, the official of JD.COM IOUs will send a short message to remind you of repayment. So when you see the text message, you must repay it immediately, so as not to affect your credit.

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I. Introduction to JD.COM White Stripes:

In addition to providing users with the convenience of installment payment, Baitiao launched the official creative product store-Time Grocery Store, which adheres to strict aesthetic standards and quality standards, creates and selects various colorful and interesting life gadgets for users, and establishes a healthy and quality life attitude with young people.

JD.COM Baitiao not only brings convenience to users, but also attaches great importance to the safety of users being embezzled 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.

Second, JD.COM IOUs application conditions:

JD.COM Baitiao is the first Internet consumer finance product in the industry. "Pay first and then pay back", enjoy a maximum interest-free period of 30 days and a maximum of 24 installments. Log in to Baitiao official website or Jingdong Financial APP- Baitiao, and you can enter the page to apply for activation independently. JD.COM mall users are eligible to activate the "white note" for mall consumption.

According to the person in charge of risk control of Jingdong Financial Consumer Finance Division, the consumer finance business has no credit that needs manual approval, and users are identified through the risk control big data model. The control system after the typhoon will "identify" users according to their shopping habits, credit status and the stability of the receiving address. , combined with various factors and data, and then quickly give the evaluation results of whether the "white strip" can be activated.

The evaluation basis of big data model is the accumulation of user data, which needs to be updated dynamically in real time. Therefore, with the more accurate modeling of big data, the probability of user "white bar" activation will also increase. JD.COM Consumer Finance has completed the credit score of nearly 200 million users.

Regarding the withdrawal of IOUs, you can receive the withdrawal package regularly, and there are irregular IOUs withdrawal activities. Make a good record of consumer repayment, and you can also get a cash withdrawal reward.

Three, JD.COM IOUs repayment form:

If it is not installment payment, JD.COM IOUs can postpone payment for 30 days without generating interest rate. The installment service can be divided into three periods, six periods, 12 period and 24 periods. The rate standard is 0.5%- 1.2%, and the penalty rate is 0.05%/ day.

Repayment can be made through mobile phone Jingdong Finance PC terminal and client, Jingdong wallet client and Baitiao official website.