2. There is also a daily limit for the payment of IOUs. The daily limit of online trading is 1500 yuan, and the monthly limit is 3000-5000 yuan. This trading limit has been changing. If the day's transaction exceeds the limit, it will lead to the invalidation of the loan. If the consumption amount of a single credit card is too large, it will also lead to the inability to use white flash payment. If the user has overdue repayment when using JD.COM IOUs, the system will directly turn off the user's IOUs flash payment function, making IOUs flash payment unusable. In this case, if you want to reopen, you must fulfill the repayment obligation and wait for Jingdong Finance to re-examine the user's opening qualification.
“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.