JD.COM's IOUs will not affect the credit investigation. Now Alipay IOUs and JD.COM IOUs will be counted as credit cards, which will appear in your credit report and will be displayed in the credit record. As long as you are not overdue, it will not affect your credit information.
Is there a credit record for the JD.COM White Strip Meeting?
White stripe is a payment tool launched by JD Finance, which can be used to pay first and then repay. Users who open IOUs can use IOUs to overdraw when shopping in JD.COM Mall. This way of shopping provides people with more convenience, and some friends will accidentally miss the repayment date and become overdue when using the IOUs. Many friends are very concerned about whether the IOUs are linked to the central bank's credit information.
JD.COM Baitiao is a credit tool launched by JD Finance that can be overdrawn in advance. Its essence is similar to the familiar credit card. It can be said that JD.COM White Strip is a virtual credit card product. As Jingdong Finance is connected with the central bank's credit information system, JD.COM Baitiao also received credit information at the meeting.
The IOUs are not only overdue, but also users normally use IOUs in JD.COM, and their usage records will be uploaded to the central bank's credit information system. However, users don't have to worry too much about the credit information on the IOUs, because JD.COM IOUs will not upload every consumption record to the credit information system, but report the credit information in the form of monthly bill summary.
JD.COM's IOUs are only connected to the credit information system according to regulatory requirements. After all, the formal loan platform has been connected to the credit information system. Therefore, in the process of using IOUs, you don't need to worry too much about the credit information at the IOUs meeting. Normal use of IOUs in JD.COM will not have a negative impact on your personal credit information.
However, if the user fails to repay the loan within the specified repayment period during the use of JD.COM IOUs, the overdue records will be uploaded to the central bank's credit information system, which will have a negative impact on our personal credit. Therefore, in the process of using JD.COM IOUs, we must keep a good repayment record to avoid overdue behavior.
After using JD.COM White Bar, if the user is temporarily under repayment pressure and can't repay in full, then in order to avoid the adverse effects caused by overdue, the user can choose to repay in installments or with the minimum repayment amount to avoid overdue due to inability to repay. It is recommended that you use credit products reasonably at ordinary times to avoid the repayment burden caused by excessive overdraft.
Do you have a credit report for the IOUs in JD.COM?
JD.COM wrote a letter on a white note.
When you use JD.COM IOU, you will sign a letter of credit authorization, and BOE can check your credit record and provide it.
If it is not installment payment, JD.COM IOUs can postpone payment for 30 days without generating interest rate. The installment service can be divided into three periods, six periods, 12 period and 24 periods. The rate standard is 0.5%- 1.2%, and the penalty rate is 0.05%/ day.
Repayment can be made through mobile phone Jingdong Finance PC terminal and client, Jingdong wallet client and Baitiao official website.
Extended data
Original of JD.COM White Bar Credit Authorization Letter
Bank of Shanghai Limited Beijing Branch:
I (or the licensee) fully understand Zhan and agree that your company (or the licensee) will provide me with loan services. In order to objectively and accurately evaluate my credit rating and credit limit and provide me with quality services, I agree and authorize the following inquiries about the use of my relevant necessary information and third-party data:
1. I authorize your company to inquire, print and save my identity information, personal credit report and credit information including credit information (including but not limited to debt information, solvency judgment information and bad information generated when I handle business with the lender) through the basic database of financial credit information, China Internet Finance Association and China Payment and Clearing Association.
And provide the above information to the basic database of financial credit information, China Internet Finance Association and China Payment and Clearing Association. Use is limited to:
1. The authorized person accepts JD.COM Bailinghuai personal loan business (including pre-lending, mid-lending and post-lending stages such as application review and withdrawal review);
2. The licensee applies for handling the credit objection;
2. I authorize your company to inquire and provide my personal information and credit information from the basic database of financial credit information, China Internet Finance Association and China Payment and Clearing Association in accordance with the relevant provisions of the state, including but not limited to credit information and information that has a negative impact on my credit status (including bad information generated when I handle business with the licensee).
If any qualified third party trusts or uses the above information, which causes adverse effects or property, credit and other losses to me, the Licensee will not be responsible for this.
Do you collect credit at the JD.COM White Bar Conference?
JD.COM Baitiao has been connected to the credit information system for credit information. However, the specific consumption details will not be reflected in the credit report, but the liabilities will be updated monthly according to the bill.
If the repayment is made on time, the information of repayment on time will be recorded in the credit report. As for overdue repayment, overdue records will also be uploaded to the credit information, but overdue records will lead to poor personal credit information.
Since IOUs are products that have been docked with credit information, it is very important to repay on time. Failure to repay on time will not only affect personal credit information, but also lead to the inability to use IOUs in the future.
You can't use white stripes, which will undoubtedly affect the daily consumption of users. In short, users can actively maintain their personal credit only if they repay on time.
As for the overdue record of the loan, it has been uploaded to the credit information. After the user pays off the arrears, the overdue records will be automatically deleted after 5 years. Before the overdue records are deleted, users still need to keep good credit records for a long time, which is conducive to the early recovery of personal credit information.
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.