When buying a mobile phone in JD.COM Mall, if there are white bars on the mobile phone purchase page, you can buy it with white bars. You can choose not to stage, or you can choose to stage, and you will be charged an installment service fee. If there are interest-free discount activities with white stripes in installments, you can get interest-free coupons first. When paying on the JD.COM checkout page, check the blank at the same time, check the discount after selecting the number of installments, and enjoy the interest-free discount of blank payment. The specific preferential conditions are subject to the payment page.
Coupons for JD.COM IOUs can be collected at Jingdong Finance and JD.COM Mall.
At present, there are several ways to collect white coupons:
① Computer side ():
Jingdong Financial Home-White Strip-White Strip Discount;
Jingdong Financial House-Member Center-Gold Coin Mall, Gold Coin Coupon.
2 Jingdong Financial App:
I card package-coupons-all types-white coupons;
3 JD.COM App:
Home page-receiving coupons-paying IOUs;
In addition, please pay more attention to the activities of white bars on the homepage or product page of JD.COM Mall.
How to buy a mobile phone in Baitiao, JD.COM
To purchase mobile phones in JD.COM Baitiao by stages, you need to purchase the purchased mobile phone products first, and ensure that the products are supported by JD.COM Baitiao;
Then submit the order and select blank when paying, and directly select the number of periods to be paid directly. After that, the user only needs to repay according to the selected number of installments.
It should be noted that the installment fee is required for JD.COM Baitiao to buy a mobile phone in installments, but if the user has an installment interest-free coupon, he can only repay the principal at the time of repayment.
“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 has quickly become an industry model, laying the position of the leading brand of Jingdong Financial 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.
JD.COM Baitiao's service scene has gradually expanded, 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.
As the first Internet consumer finance product in the industry, "White Strip" was initially only provided for users to shop in JD.COM Mall. In fact, it relies on JD.COM Mall to provide users with credit purchase services. In April of 20 15, "Baitiao" 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, etc., extending from credit house purchase service to providing credit loans, covering more consumption scenarios and providing services for more consumers.
2065438+In March 2006, JD Finance launched the first cash loan product-JD.COM Gold Bar, which tailored the cash loan service for IOUs with good credit. It is an extension of IOUs credit in the cash consumption scenario.
JD.COM Gold Bar adopts differentiated credit granting and interest rate pricing, and provides cash loan service with the maximum credit line of 200,000 yuan and the longest installment 12 months, with daily interest, with the daily interest rate not exceeding 0.05%.
On August 20 16, the white stripes were merged into jingdong wallet. As an important channel entrance of Jingdong wallet, white stripes have moved from online to more mobile scenes, such as sogou, Lufthansa Mall and Jingkelong Supermarket.
In addition, Baitiao also cooperated with China CITIC Bank and China Everbright Bank to launch joint credit cards, also known as "small white cards". This is a "internet plus" credit card, which is sought after by young people born in 1990s. It is also the first credit card for many young people. This card further embodies the role of IOUs as credit connectors between the Internet and banks, online and offline, and enjoys the combined rights and interests of banks and the Internet.
Is it interest-free to buy a mobile phone in JD.COM Baitiao 12?
JD.COM Baitiao 12 interest-free mobile phone is cost-effective. According to the relevant information, JD.COM Baijo 12 is interest-free, so it is very cost-effective to pay in Baijo without paying all the money. Interest-free installment 12 means using JD.COM white bars to buy goods in JD.COM Mall, and choosing installment 12 without paying interest.
Is it cost-effective to buy a mobile phone by installment in JD.COM? Is it reliable?
; ? To put it simply, the price of a mobile phone ranges from several hundred yuan to several thousand yuan, even more than ten thousand yuan, and mass consumption is generally around several thousand yuan. Therefore, it is more reliable to choose JD.COM to buy a mobile phone, because domestic e-commerce companies are good choices in digital products, such as JD.COM, Suning and Tmall, while JD.COM is famous for its good service. In JD.COM, the mobile phone is purchased by oneself, and the delivery and express delivery speed are very fast. The mobile phone has a formal invoice, which can be guaranteed and sold nationwide, so
1.JD.COM How to buy a mobile phone by installment?
1. Open the JD.COM white strip.
2. credit card installment payment
Both of the above are good choices. Some mobile phones don't support white stripe staging. You can choose your favorite brand and model first, and then check whether it is staged.
JD.COM IOUs will charge installment service fees. Usually, we should pay attention to interest-free activities in installments. It would be better if you rob 12 months and 6 months of interest-free coupons, and the handling fee is directly free.
Reminder: JD.COM White Coupon Collection Channel
1 jingdong finance home page-white note-white note discount
2 Jingdong Finance Home-Member Center-Gold Coin Mall Gold Coin Coupon
3 In Jingdong Financial APP, I Card Package-Coupon-All Types-White Tickets
4 JD.COM Mall APP, Home Page-Collecting Vouchers-Paying IOUs.
What if there's no JD.COM IOUs quota? Use a credit card!
It's easier to use credit cards. All mobile phones can be purchased in installments, as long as you choose to pay by credit card when you pay.
After the consumption is recorded, you can apply for credit card installment;
2. Is it cost-effective to buy a mobile phone by installment in JD.COM?
High cost performance. JD.COM itself is a relatively reliable large-scale e-commerce platform, and more than 95% of the goods are genuine and licensed. I suggest that when you choose a mobile phone, you'd better buy one from JD.COM, because global purchase is similar to a third-party platform, and it is not self-operated and its security is not reliable.
In addition, it is recommended to buy expensive mobile phones in physical stores, such as iPhone and Apple. When the iPhone was released last year, the price of 256GB was nearly 10,000 yuan. Although there are purchase channels in JD.COM, the price is not much different from that of physical stores, and most physical stores also provide installment payment services, so the after-sales warranty products are more assured.
In a word, installment payment is more cost-effective and reliable in JD.COM. Compared with other channels, there are more preferential activities, and you can enjoy many discounts, such as JD.COM interest-free coupons, full discounts and gifts. The installment fee is also relatively low, which is worth starting with.