1.JD.COM Gold Bar is a product of Jingdong Finance, which was listed in March 2065438+2006. It is mainly a cash loan service customized for users with good credit, which can support a maximum withdrawal amount of 200,000.
Secondly, JD.COM gold bars have the characteristics of online loan, unsecured, real-time batch, fast collection and so on, and can also meet the cash needs of users in various scenarios.
Third, JD.COM gold bars do not need mortgage, just bind stored-value cards and credit cards, and make loans easily; Online loan, all processes can be received after online completion; Real-time approval and quick receipt. Generally, the loan application will be received within 5- 15 minutes after submission. Please refer to the bank card receipt of the receiving bank. Moreover, JD.COM gold bars can be returned as soon as they are borrowed, in advance or in different periods, such as 1.3.6. 12. Interest is calculated on a daily basis, and the loan interest rate range is generally the lowest daily interest rate of 0.025%, and the highest annualized interest rate does not exceed 36%. "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, 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.
Four. 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 has launched an official creative product store-Time Grocery Store, which adheres to strict aesthetic standards and quality standards, creates and selects all kinds of beautiful and interesting living objects for users, and establishes a healthy and quality life attitude with young people.
Six, JD.COM white bars bring convenience to users, but also pay great attention to the safety of users being stolen by JD.COM white bars. 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.