JD.COM IOUs will not be used after activation, and will not generate any expenses, which will not adversely affect personal credit. However, if it is not used for a long time after activation, the system may adjust the amount of white bars and reduce the number of users. The amount of IOUs is dynamically adjusted by the system. As long as users often use it and repay it on time, there is a certain chance to increase the quota. Users can use it according to their own needs after activating the white bar, and there is no hard and fast rule that it must be used after activating the white bar.
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 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.
The service scene of 2.JD.COM Baitiao has been gradually extended, with nearly 10 million online and offline cooperative 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.
Based on users' needs, Baitiao series products will continue to innovate as always, and through credit value-added services, multiple consumption scenarios will be embedded to make users' consumption experience more convenient and smooth, so that the future will come now.
3.20 16, Baitiao started the strategy of going to JD.COM, upgrading its brand and independent domain name. At the end of September, the "White Strip Flash Payment" product was officially launched, which can be used online and offline. As long as it is a pos merchant that can support flash payment, you can add a white note with flash payment function to mobile wallets such as apple pay, Huawei pay and Xiaomi pay. And it can be used by millions of merchants all over the country, eating, drinking and having fun online and offline. Where there are white bars, there is a better life.
JD。 The white stripes of COM are open. Is it okay if you don't need them?
First of all, answer directly.
Generally, there is no problem when the JD.COM White Stripe Card is opened, and Jingdong Finance has no mandatory requirement to use it when it is opened, and then use it when there is demand.
Second, the specific analysis
Don't worry, there is no charge if you don't use a white card, and you only need to pay back when you use it.
Since the white card is a phased consumption card, it is automatically phased by default. Therefore, after spending by credit card, the principal of consumption and the corresponding installment procedures must be repaid on schedule (no matter how many installments are divided, the rate is 0.5%/ period).
It should be noted that if you don't use the white card for the time being, you must keep your personal information well to prevent the disclosure of personal information from causing security risks.
If someone steals it, it will be broken, and personal money will inevitably be damaged.
In fact, the white card itself uses the credit line of the white card. If there is no need for staging, there is actually no need to open a white card.
But don't take it lightly when online loans are overdue. In addition to being collected, personal credit will also be affected, especially online loans with credit information. Once there is such an overdue record, it will seriously affect the handling of bank loans and credit cards in the future. Even if the processed online loan cannot be credited, you can access big data. Search: Xiaoqi Credit Information can inquire about your online loan history, overdue details of online loans, liabilities, untrustworthy information and online loan blacklist.
Third, the relationship between white cards and white cards
The relationship between JD.COM White Tiaozi Card and JD.COM White Tiaozi Card is as follows: JD.COM White Tiaozi Card, as an installment consumption card jointly launched by JD.COM Platform and Shanghai Bank, binds third-party channel payment (WeChat, Alipay and mobile payment) and uses JD.COM White Tiaozi credit line.
If the white stripes in JD.COM are not opened, there will naturally be no white stripe cards in JD.COM. Only when the JD.COM White Strip is opened first, and the personal credit status is good and the comprehensive evaluation of the system is up to standard, can you apply for opening the JD.COM White Strip Card.
Also, if the white account has no available quota, you can't use the white card for the time being. You need to pay off the bill before the eighth, and you can continue to use the white card after the line is restored.
However, it should be noted that since the credit line of IOUs is used for IOUs, after spending IOUs, the transaction will be directly included in IOUs bill, and then the IOUs bill will be paid on the billing date, and then the IOUs bill will be repaid on time according to the bill amount within the specified time limit.
Can I not use IOUs after applying in JD.COM? Will the deduction affect the credit?
If you don't use your account in JD.COM after it is successfully opened, there will be no fees, and it will not be automatically closed, and there will be no security risks such as default. Whether you open or not will have no impact on your account.
If you won't use it for a long time, I suggest you modify your account password regularly to ensure the security of your account. You can also choose to apply to your account for temporary suspension of payment, and submit a simple message when you open it later to apply for recovery.
If you don't want to use the white note service because you don't use it often, and you are worried about the security of your account, it is suggested that you can lock your account through Jingdong Financial APP. After locking, you can't use the payment function of the white note again in any consumption scenario. If you want to use the white strip service again after a while, you can unlock it through Jingdong Financial APP. The steps of self-service locking of white bars are as follows:
1. Open the homepage of Jingdong Financial APP-White Note-White Note Available Amount-Settings
2. Click Account Security on the Settings page, and select Lock White Account-Continue to apply for locking white account.
3. After choosing to continue to apply for locking IOUs, choose the reason for stopping payment according to the page prompts. If it is not commonly used, select "Not commonly used" instead of "Account stolen", so as not to affect the recovery of the account in the future.
4. Enter a 6-digit payment password after confirming that the IOUs are locked, and click OK to complete the IOUs account payment stop operation.
Can I not use JD.COM White Bar after it is activated? What effect will it have if it is not used for a long time?
JD.COM Baitiao is an Internet credit payment platform launched by JD.COM, which has the characteristics of first consumption and then payment, and brings a lot of convenience to people's payment. But can I not use it for a long time after activation? Let's talk about some usage details of JD.COM White Bar after activation.
JD.COM IOUs can be repaid by installments, and JD.COM IOUs can be repaid by credit card. In case of return, JD.COM White Bar almost supports the second return. These advantages attract customers to use, but whether to use JD.COM white bars needs to be chosen according to their own needs. Some customers have no use requirements after activation. Does it affect them?
If you want to use it after JD.COM White Bar is activated, you can use it anytime and anywhere. However, if users use JD.COM IOUs, they must repay them in time. Overdue repayment will be recorded in the personal credit report, which is not worth the loss.
There is no charge for not using it, and there is no annual fee. However, it does not automatically close and cannot be logged off. Of course, if the user does not use it for a long time, in order to prevent others from stealing and causing property losses and personal credit problems, the user can choose to modify the password regularly to ensure the security of the account, or download Jingdong Finance to contact customer service to lock the account. Long-term non-use of JD.COM White Strip after activation may have the following effects.
The first point: The quota for the use of IOUs in JD.COM has been reduced. If users don't use it for a long time, the usage quota of JD.COM White Strips may be reduced.
The second point: Long-term non-use of JD.COM white strips will lead to a slow increase in the amount of white strips. If users don't use it for a long time, JD.COM White Strip System can't evaluate users for a period of time, so the quota will increase slowly.
The third point: you can't get interest-free discount. JD.COM White Bar Association will provide interest-free concessions from time to time, and users will not enjoy these concessions if they don't use them after activation.
If you don't use JD.COM White Bar after activation, there will be no charge. Don't worry too much for a long time after activation, as long as you ensure the security of your account regularly.