In the following operations, the operating environment is to open any version of mobile phone software of Android:
Generally speaking, our JD.COM IOUs can be paid off in advance in one lump sum after installment, and there will be no extra prepayment service fee for prepayment, but the installment service fee will be charged normally.
If you want to prepay the installment bill of JD.COM IOU, you can prepay it directly in Jingdong Financial App. The operation steps are as follows: log in to Jingdong Financial App, then select the white note and the unpaid bill, and you can see the advance payment. After entering the prepayment page, you can make repayment according to the page prompts.
JD.COM IOUs support users to prepay in installments. After prepayment, the remaining amount to be repaid and the installment fee will not be refunded. In addition, after the IOUs are paid off in installments, the IOUs quota will be restored in advance, and users will have more IOUs available.
Of course, if the white installment is interest-free, then prepayment can't save the installment fee.
JD.COM IOUs can choose IOUs installment in payment or notes installment in repayment. The difference between the two is that the former is a single consumption amount in installments. You can prepay the outstanding bill or all the remaining amount to be repaid after the current bill is settled. The repayment amount can be entered manually, and the repayment amount shall not be less than 10 yuan.
If it is in stages, it can be returned in advance at one time or in part.
What you need to be clear is that if there is an installment fee, even if the repayment is made in advance, the installment fee will still be charged. JD.COM IOUs can repay in advance regardless of the order system or the bill system. If installment is selected, the installment service fee will still be charged and the amount will remain unchanged.
Except for the installment service fee and principal, there is no extra charge for prepayment.
It can be operated on our Jingdong Financial APP and PC.
How to operate the one-time repayment of JD.COM IOUs?
JD.COM IOUs are paid in one lump sum as follows:
1. Open the mobile phone JD.COM app and log in to your personal account;
2. Then click the word "My" in the lower right corner of the homepage;
3. Then find the white bar in the "My" interface and click the white bar interface;
4. Click on the column to be returned, and click "All White Sheet" after entering;
5. Finally, click prepayment, fill in all the bill amounts to be repaid, and fill in the payment password to complete the repayment.
About JD.COM White Strip:
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.
2. In terms of 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.
3. Since then, "Baitiao" 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 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 4.JD.COM Baitiao has been gradually extended, with nearly 10 million merchants online and offline, 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.
5.2065438+in March 2009, according to the statistics of the referee document network, due to the use of "JD". COM white strip "fraud. According to the verdict, the average age of the defendants in 107 is 28 years old. Take JD as an example. The two courts in Changsha pronounced that college students accounted for nearly half of the defendants. The defendant's maximum sentence was 19 years, with an average sentence of 2.35 years. In addition, the number of college students deceived mentioned in the judgment exceeded 362, which became a more conspicuous group among the victims.
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Can I get a one-time refund for JD.COM white stripes?
After JD.COM IOUs are paid in installments, users can pay them off in one lump sum.
The handling fee is deducted from the available amount of IOUs at one time after installment payment, so even if it is paid off in advance, the handling fee cannot be reduced, which is not cost-effective for users who pay off IOUs in advance after installment payment.
However, if the user does not adapt to the debt, paying off in advance can effectively alleviate the psychological pressure.
After the installment payment of the user's IOU, if you get the interest-free discount by installment, you don't need to pay the installment fee if you pay it off in advance.
“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, 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.
Can I repay the loan in one lump sum after installment payment in JD.COM?
JD.COM IOU installment payment can be repaid in advance. You can choose one-time repayment or partial prepayment. However, it must be reminded that if repayment is made in advance, but the installment fee is not reduced, it will be charged normally. Therefore, I suggest you see whether to repay in advance according to your own needs. Think carefully before paying back.
1.JD.COM IOUs can choose to repay by installments, which can be done when the order is paid or after IOUs are paid.
Second, the specific operation process of installment payment of JD.COM IOUs:
1, computer operation flow:
(1) First, you need to open the homepage of Jingdong Finance website.
(2) Then click My Assets-My White Slip to find the bill, and click the bill installment, which will display the installment amount and installment service rate of the user. After checking the amount and rate, click "Confirm Staging".
(3) In addition, the installment amount can be customized and modified, with a minimum of 100 yuan.
3. Will the repayment of the debt be limited to a minimum?
1, IOUs can pay off the current bill in full, or only the minimum repayment amount, which will not be overdue anyway.
2. The person who only pays the minimum repayment amount in the IOU will be considered by the system to be not very strong in repayment ability, but will not give a limit for it. After all, users are free to choose which repayment method is not overdue.
4. Will it affect personal credit if you don't use the white strip after activation?
After 1. white bar is activated, it will not affect personal credit if it is not used.
2. If IOUs are not used for a long time after activation, the available amount may be reduced, and even the system may recover the IOUs loan amount.
Therefore, users who don't need to use white stripes can not open white stripes, and there will be no negative impact.
“JD。 COM IOUs is a brand-new payment method of "consumption first, payment later" introduced by JD.COM. When you use IOUs to pay on JD.COM website, you can enjoy a deferred payment period of up to 30 days or a maximum of 24 installments. It is the first Internet consumer finance product in the industry.
When shopping, you can use the amount in JD.COM IOU to make a purchase in advance, and then complete the repayment within the following 3- 12 months. You can log in to JD.COM, in "JD. My IOU page.
2 After choosing the shopping goods, you can use white bars after choosing the payment method of JD.COM white bars. When using IOUs, you can set the repayment time in installments. For example, after 3 months, it means that you need to repay IOUs in installments.