If your debt account is overdue, please settle the debt as soon as possible according to the repayment time required by the collector. At the same time, please pay attention to the repayment time of your white bill and repay it on time to avoid the impact on your credit or normal life due to overdue.

The repayment reference path is as follows:

On the computer side: click All or at the bottom of my assets-my IOU-IOU bill-outstanding bill page.

Jingdong financial APP: home page full payment-IOU-IOU available-all to be returned-prepayment page.

JD.COM White Strip:

JD.COM Baitiao is the first Internet credit payment product launched by JD.COM. It conducts credit evaluation through big data and provides credit payment services for users with high credit rating and consumer demand. Providing a consumption experience of "consumption first, payment later, real-time approval and arbitrary installment" has established Jingdong Finance's leading brand position in the consumer finance industry.

JD.COM Baitiao allows users to enjoy the service of paying first and shopping in installments in JD.COM Mall, with the longest installment of 24, and the execution interest rate is lower than that of bank credit cards. It has opened up O2O(JD.COM to the home), global purchase and product crowdfunding in JD.COM system, and gradually covered the fields of renting, tourism, decoration, education and wedding in the later period, providing credit consumption services for more consumers.

“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.

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. The longest interest-free period is 30 days. You can choose to pay by installments, and you don't need to pay liquidated damages after the deadline.

It can be said that JD.COM White Strip 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.