Method for quickly extracting IOUs:

Received a white withdrawal package; Improve personal information; Flash the withdrawal amount with white stripes; Often consume with white bars; Keep a good credit record for a long time. All the above methods can help IOUs to increase the amount quickly. In the long run, users' IOUs will increase greatly. As for the direct receipt of IOUs, although the amount received each time is not high, the amount of IOUs can be steadily increased.

After the increase of white stripes, if users use white stripes in violation of regulations, the promotion amount may be reduced.

JD.COM White Bar 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 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.

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.

JD.COM Baitiao is the first Internet consumer finance product in the industry. "Pay first and then pay back", enjoy a maximum interest-free period of 30 days and a maximum of 24 installments. Log in to Baitiao official website or Jingdong Financial APP- Baitiao, and you can enter the page to apply for activation independently. JD.COM mall users are eligible to activate the "white note" for mall consumption.

According to the person in charge of risk control of Jingdong Financial Consumer Finance Division, the consumer finance business has no credit that needs manual approval, and users are identified through the risk control big data model. The control system after the typhoon will "identify" users according to their shopping habits, credit status and the stability of the receiving address. , combined with various factors and data, and then quickly give the evaluation results of whether the "white strip" can be activated.

The evaluation basis of big data model is the accumulation of user data, which needs to be updated dynamically in real time. Therefore, with the more accurate modeling of big data, the probability of user "white bar" activation will also increase. JD.COM Consumer Finance has completed the credit score of nearly 200 million users.

Regarding the withdrawal of IOUs, you can receive the withdrawal package regularly, and there are irregular IOUs withdrawal activities. Make a good record of consumer repayment, and you can also get a cash withdrawal reward.

How to increase the number of IOUs in JD.COM?

1, increase consumption

In order to increase the available amount of JD.COM IOUs, users can choose to increase their spending in JD.COM Mall. Usually the daily consumption is the fastest. When using the white line every month, try to use more than 90% and maintain the emergency line of about 10%.

In this case, JD.COM IOU system will think that the borrower really needs a large amount and has a high repayment ability. In this case, if it is circulated several times a month, the amount of debt will increase quickly.

2. Improve the loan and keep the contract.

JD.COM IOUs have IOUs that keep their promises, similar to Alipay's sesame credit score. Users want to increase the amount of IOUs, and the improvement of IOUs compliance score is an essential condition.

You can improve your score by improving your personal data, such as real estate information, vehicle information and provident fund information. After the data is completely filled, the number of IOUs in JD.COM may increase.

Step 3 bind your personal credit card

If the user has a credit card, he can also bind the credit card in his Jingdong wallet. When repaying JD.COM IOUs, you can choose to pay by credit card. Moreover, when the borrower pays back the credit card, the JD.COM system can also check the cardholder's spending power and credit card limit when querying the borrower's credit information, which is also very helpful for the withdrawal.

Step 4 go on stage occasionally

When using IOUs, users also need to earn some profits for IOUs in JD.COM. If the repayment is made directly in full every time, IOUs will not make profits for users, and of course they are unwilling to increase the quota for users.

Therefore, after using the large amount of IOUs, users can choose the appropriate installment, which can be repaid in three or six installments. In this way, Baitiao thinks that there are profits to be made, and users really need more quotas, which also helps to raise the amount.

5. Withdrawal package

The IOUs system will issue some cash withdrawal packages according to the different situations of users using IOUs. The borrower must use it. Although the cash withdrawal package is not much, it just fills the gap of tens of yuan, and it can be collected every week, which is also a considerable sum after long-term accumulation.

6. Buy wealth management products

Jingdong Finance also has many investment and wealth management products, such as fixed investment, small white fund and steady wealth management. You can choose some suitable investments, so that the account activity will increase, and you can also show your financial strength, which is also helpful for raising the amount.

Extended data:

How often does the amount of JD.COM IOUs increase?

As an Internet consumer financial product, JD.COM IOUs, like flowers and credit cards, are "consumption first, then repayment", which is also because it has a certain credit limit. So, how often does JD.COM's IOUs increase the amount?

The time for JD.COM to take back the IOUs is still uncertain. Because the amount of IOUs in JD.COM is adjusted according to the evaluation results of users by the system, and the evaluation of users by the system is irregular, and the use behavior and account situation of different users will be different in different periods, so there is no specific withdrawal time for IOUs in JD.COM, and labor cannot participate at the same time.

However, as long as your recent use is good and there is no record of overdue repayment; And the account activity is also high; If your personal credit is good and Xiaobai's credit score has been improved recently, the comprehensive score of your JD.COM IOUs in the recent system evaluation should be not low, and the system is likely to increase your IOUs after the evaluation.

If you want to add your own white stripes, you can also use JD. COM products, which cost more in JD.COM, use more white stripes; You can also do some credit tasks to improve Xiaobai's credit score; You can also buy some wealth management products of Jingdong Finance to help you increase the loan amount.

How to increase the amount of IOUs in JD.COM?

The method of increasing the quota by borrowing in JD.COM;

1. Complete the fund-raising task in JD.COM system, and raise funds through various activities, games, lottery and other interactive ways. For example, Jingxi cash withdrawal, weekly cash withdrawal package, daily cash withdrawal package, daily cash withdrawal game, rights protection center lottery cash withdrawal, bill installment cash withdrawal, and official account withdrawal of Baitiao WeChat. Users can often receive these cash withdrawal tasks and complete them. After a period of persistence, the amount of IOUs can increase rapidly. It should be noted that the quotas obtained through these methods include both exclusive quotas and temporary quotas. The exclusive quota is only reflected when the specified goods are purchased, and the temporary quota expires after the expiration.

Two, the use of JD.COM white consumption payment, and timely repayment, maintain good repayment habits. Because the official system of JD.COM will conduct a comprehensive assessment on a monthly basis according to the user's past usage of IOUs, the amount of IOUs that meet the requirements will be increased.

Third, maintain personal credit information. JD.COM Credit Enhancement & Withdrawal will inquire about users' personal credit information, so when using other loan products, keeping good personal loan records will also help IOUs to withdraw funds.

Fourth, improve personal information. Users can improve their scores by perfecting their personal information in JD.COM system, such as uploading ID photos and personal occupation, which is very helpful for the system to increase the user quota.