If it refers to JD.COM Baitiao, JD.COM Baitiao 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. 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.

Tips: The above contents are for reference only. If you have repayment problems, please contact Jingdong Financial Customer Service at 95 1 18.

Reply time: February 2, 20221. Please refer to the latest business changes announced by Ping An Bank in official website.