If the activation of JD.COM White Bar fails, it is probably caused by the following reasons:
1. Incomplete personal information and incomplete authentication.
2. Just registered in JD.COM, the account activity is not high, and even there is no consumption record, so the system cannot know the specific consumption level, repayment ability and credit status of customers.
3. Malicious returns and other behaviors are frequent, and the account risk is high.
4.JD.COM Xiaobai's credit score is low (generally 80 or above).
5. Too many activations. JD。 COM has limited activation times, usually at most twice a month.
JD.COM White Strip:
“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.
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. Then move the mouse pointer to "My JD. COM ",and click" My Order "in the pop-up interface to receive the credit information of JD.COM White Bar Association.
As one of the few non-bank financial institutions that went to the central bank for credit reporting, JD.COM Baitiao received a lot of controversy, and many people showed an "excessive" reaction, largely because of public pressure.
You can inquire about JD.COM White Strip Service in the following ways:
On the computer side: macbookpro mos 14, open google version 92.0.4515.13/JD.COM Finance Home-My Assets-My IOUs.
If the IOU has been activated, it will show that your IOU has been repaid and the amount. If the white bar is not activated, it will jump directly to the white bar activation homepage, and you can try to activate it.
Jingdong financial App: Apple 12, ios 14, version 6. 1. 10 Jingdong financial App home page-blank-blank available amount.
If IOUs have been activated, your IOUs available quota will be displayed.
If the white bar is not activated, it will jump directly to the white bar activation page, and you can try to activate it.
JD.COM IOUs have the following characteristics: consumption first and repayment later, and the longest interest-free period is 30 days. You can choose to pay by installment, and you don't need to pay liquidated damages after the deadline. It can be said that JD.COM IOU 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.
What is the reason for the failure to activate JD.COM White Bar?
Four reasons for the failure of activation of white bars:
1, JD.COM platform has no consumption record. This is the main reason why the activation of white bars failed, and many people have the same problem. Because there is little shopping in JD.COM, the platform does not have enough data to judge users' credit status, so it cannot be enabled naturally.
2. Personal information is not perfect. After registering a JD.COM account, everyone can improve their personal information. The more perfect the information, the more the system can fully judge your credit degree and give you the opportunity and amount of IOUs.
3. Too many activations. The activation times of JD.COM White Bar are limited, usually twice a month. Therefore, it is not recommended to try again immediately after the activation fails twice a month. You can use JD.COM temporarily and apply again next month. The official customer service of JD.COM Baitiao said that if the system prompts "I can't provide you with Baitiao service for the time being", frequent operation may affect the success rate.
4. Malicious violation record. Usually there is no reason to return goods online for seven days, but many people use loopholes to return goods maliciously. If there is such behavior, it is difficult to activate the white bar.
The following methods help to open the white strip:
1, increase and maintain a good consumption record. Many people will buy electronic devices on JD.COM, which will help users to improve their credit scores. Because the price of electronic equipment is generally higher than that of ordinary consumer goods, customers who buy such goods generally have a higher consumption level.
2. Buy the wealth management products of Jingdong Finance. Many Internet companies have their own financial platforms and launched many financial products. You can choose the product that suits you according to your risk tolerance.
3. Open a small white letter of credit. Xiaobai Credit is somewhat similar to Alipay's Sesame Credit Score, which is a credit evaluation system in JD.COM. The higher the small white credit score of JD.COM White Bank, the greater the opportunity and the higher the quota.
4. Try to activate twice a month. If activation fails once, activate it again at most this month, and don't activate white bars frequently.
Who knows what is the reason for the failure of activation of JD.COM White Bar?
The result of white stripe activation is given by the system according to the filled material. If the activation fails, it means that the white strip cannot be used temporarily, and frequent operation may affect the probability of successful application for activation.
Activation failure of JD.COM White Bar may be:
1. There are too many people applying for activation this month. There is an official limit on the number of activation of white bars, and the number of activation attempts in a month cannot exceed two. Some people fail to activate white bars many times in a month, which is the case. It is recommended to activate it at most twice a month. If activation is still unsuccessful, try again next month.
2. There is a record of malicious return in JD.COM. If a malicious refund is made, it is definitely not good to be detected by the system. For users who return goods maliciously, the system will basically not give you the opportunity to apply for IOUs.
Extended data:
The result of activation is that the system comprehensively evaluates and judges the materials you fill in, and manual intervention is impossible.
1. If the system prompts "I can't provide you with the white note service for the time being", it means that you can't use the white note for the time being, and frequent operation may affect the success rate.
2. If the system prompts "You can buy a financial receipt or handle a small white card receipt", you can also try the operation.
Here are some suggestions for writing a white note:
1, increase and maintain a good consumption record in JD.COM;
2. Purchase and use the wealth management products and services of Jingdong Finance;
3. Open up Xiaobai credit and improve Xiaobai credit score;
4. Try to activate it twice a month, and don't operate it frequently.
The white bar shows the reason why the activation failed.
If JD.COM Baitiao business application fails to be activated, it may be due to the following reasons:
1. Under the age of 18 and without full capacity for civil conduct;
2. Non-Chinese mainland residents;
3. Identity information and mobile phone number have been activated in other JD.COM accounts;
4. The account is not bound to the mainland mobile phone number or savings card quickly;
5. The account has not completed real-name authentication or its status is different;
6. Personal credit is poor, and there are bad records or serious negative information in the credit report;
7. Incomplete information and insufficient account activity;
8. Recently, there have been too many frequent loans, which has led to the "flowering" of credit information, the emergence of long-term loans, and the personal debt ratio has also risen quite high.
Moreover, we need to pay attention to the fact that if JD.COM White Bar fails to be activated once, don't rush to activate it immediately, because frequent operation in a short time is more likely to increase the possibility of rejection. Users should take corresponding measures to solve the existing problems after finding out the cause of the failure, and then try to activate. It is recommended to activate it at most twice a month.