If you return the goods after buying in JD.COM Baitiao, the place of refund will be different under different circumstances:

If the order and bill are not in installments, the refund part of JD.COM IOUs will be used as repayment to offset the repayment amount;

If this order is for installment consumption, the refund part of IOUs will be offset from the earliest installment (including principal and service fee) of this refund order until it is fully offset; Under normal circumstances, it will not be completely offset;

If the bill has been phased after consumption, the refund part of the white note will be offset from the earliest installment corresponding to the refund form to the expected repayment of the bill (including the principal and service fee) until it is fully offset, generally not fully offset;

If all the bills mentioned above are offset, and there is a refund left, the remaining refund will be returned to the last repayment method (bank card/small vault). Time limit for refund: 15 working days.

JD.COM IOUs installment repayment application is irrevocable after it is approved. If the bill is paid off in advance, the installment fee and interest will not be less, which is equivalent to repaying the principal and interest in advance. In other words, if the refund after the installment of the bill offsets the principal, the interest will still be paid. But there is no extra charge.

“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.

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.

2018165438+1October 20th, Chen Shengqiang, CEO of Jingdong Finance, announced today at the "2018 JD.COM Digital Technology Global Explorers Conference" that the brand of Jingdong Finance was officially upgraded to "JD.COM Digital Science" and a brand-new logo-JD Digits was launched. JD.COM Mathematics will include sub-brands such as Jingdong Finance, JD.COM City, JD.COM Agriculture and Animal Husbandry, JD.COM Molybdenum Media and JD.COM Shaodongjia.

Can I get a refund for white stripes in JD.COM?

JD.COM owes a refund, but don't worry, there won't be less money, just wait patiently for the refund to arrive. For the IOUs refund for normal transactions, if the user has repaid, the refund amount will generally be returned to the repayment bank card or JD.com vault bound by the user within 1 to 5 working days after the mall/merchant initiates the refund (specifically, subject to the posting time of the bank, generally no more than 15 working days), so everyone should pay more attention to the details of the order refund. If the current bill still needs to be repaid, the refund amount will be used to offset the current bill. However, if the user has not repaid the loan, after the mall/merchant initiates a refund, the amount of the loan will be automatically restored within 1 to 5 working days (no more than 15 working days at most), so you can pay more attention to the change of the loan. If the mall/merchant has initiated a refund, but the user has not received the refund amount, you can consult the customer service staff.

1.“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 has quickly become an industry model, laying the foundation for Jingdong Finance as a leading brand in the consumer finance industry.

Second, in terms of 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.

Thirdly, since then, the "White Bar" 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.

Fourthly, the service scene of JD.COM Baitiao has been gradually extended, 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.

5. While the white stripes in JD.COM bring convenience to users, we also pay great attention to the security problems of users being stolen by white stripes in JD.COM. 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.

JD.COM used a savings card, so you can't return it.

You can't return or get a refund after you buy the JD.COM Gold Bar Savings Card, because there is already a purchase agreement when you buy the card. JD.COM is a professional comprehensive online shopping mall, selling tens of thousands of brands of high-quality goods such as home appliances, digital communication, computers, household department stores, clothing, maternal and child, books and food.

Can I get a refund for JD.COM's IOUs?

Payment method is online payment, including change, qq wallet, etc. Refund time 18 1-2 working days, and the rest 1-7 or 1-3 working days.

If the payment method is blank payment, if repayment has been made, the repayment will be returned to the bound debit card within 3-5 working days; if not, the line will be restored within 1 hour.

Generally, refunds are returned in the same way as payment, such as bank cards or other payment methods. If it is cash on delivery, the refund will be returned to JD. COM's personal wallet.

JD.COM self-operated goods order refund:

Before the goods leave the warehouse: If we submit the cancellation application before the goods leave the warehouse, the system will complete the refund review after 30 minutes.

Delivery of goods to the delivery station: If the goods have been delivered out of the warehouse, you need to wait for the goods to be loaded and delivered to the delivery station to submit a cancellation application, and the system will complete the refund review within 24 hours.

On the way to the distribution station: if the ordered goods have been loaded and sent to the distribution station, and then submit a cancellation application, the refund review will be completed within 24 hours of the day when the goods arrive at the distribution station.

Reject the order: after the order is rejected, the system will automatically submit the cancellation application and complete the refund review within 24 hours of the same day.