1. On the mobile phone JD.COM APP, in the cashier interface after submitting the order, the place marked with blank lines will show the need for combined payment, click on combined payment, and then enter the page of combined payment; Then choose the combined payment method, or you can choose the number of installments and your white discount.
2. On the computer side, it is also the cashier page after submitting the order, and you can choose to pay in white. If your debt is insufficient, you will be prompted to continue to choose other payment methods; Choose more payment methods and then choose white installment and coupons.
JD.COM White Strip:
“JD。 COM White Strip is an Internet consumer financial product, which refers to a brand-new payment method of "consumption first, payment later" introduced by JD.COM. You can enjoy the longest 30-day deferred payment period or the longest 24-installment payment method by using white bars to pay on JD.COM website, which is the first Internet consumer financial product in the industry.
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.
According to the survey of silver rate. Users who have obtained the qualification of JD.COM IOUs can choose to postpone payment for up to 30 days when shopping, or choose to pay in installments, ranging from 3 months to 12 months. If the former is selected, the user does not need to pay any interest, and the latter is calculated at the interest rate of 0.5% per period. In addition, if JD.COM reminds users of overdue for many times, the daily penalty will be 0.03%.
JD.COM IOUs have the following characteristics: consumption first and repayment later, and the longest interest-free period is 30 days. You can choose to pay by installment, and you don't need to pay liquidated damages after the deadline. It can be said that JD.COM IOU basically covers the basic characteristics of credit cards and can be regarded as a virtual credit card.
Analysts in Yinlv.com believe that credit cards have advantages in interest-free period, installment payment and the number of optional periods. At the same time, at present, there are only 500,000 places in the first batch of public beta in JD.COM, so it is not easy to apply. In addition, the credit line is limited to JD.COM Mall, so it is difficult to impact the ordinary credit card business of banks.
As the saying goes, white stripes actually mean IOUs. The implication is that JD.COM will take money to help us pay for the products first, and then we can take the products home for use and repay them at a certain proportion every month. Of course, this form of repayment or IOUs has certain interest, but generally speaking, if you use IOUs after buying products in JD.COM Mall, the interest may not be much, and the interest of a product with a few hundred dollars may only be a dozen or a few dollars.