After the installment of JD.COM IOUs, the installment fee shall be paid according to the number of installments. Of course, unless the user receives a white striped interest-free coupon and uses it in installment, the installment is interest-free, and the user only needs to return the principal of installment.
Because white installment will generate interest, users who don't want to pay interest need to pay attention to whether there are installment interest-free coupons to use.
JD.COM Baitiao is the first Internet credit payment product launched by JD.COM. It conducts credit evaluation through big data and provides credit payment services for users with high credit rating and consumer demand. Providing a consumption experience of "consumption first, payment later, real-time approval and arbitrary installment" has established Jingdong Finance's leading brand position in the consumer finance industry.
JD.COM Baitiao allows users to enjoy the service of paying first and shopping in installments in JD.COM Mall, with the longest installment of 24, and the execution interest rate is lower than that of bank credit cards. It has opened up O2O(JD.COM to the home), global purchase and product crowdfunding in JD.COM system, and gradually covered the fields of renting, tourism, decoration, education and wedding in the later period, providing credit consumption services for more consumers.
Development course:
2065438+At the end of September, 2006, the "white-note payment" product, which can be used online and offline, was officially launched. As long as it is a pos merchant that can support flash payment, you can add a white note with flash payment function to mobile wallets such as apple pay, Huawei pay and Xiaomi pay. And it can be used by millions of merchants all over the country, eating, drinking and having fun online and offline. Where there are white bars, there is a better life.
2018165438+1October 20th, Chen Shengqiang, CEO of Jingdong Finance, announced at the "2018 JD.COM Digital Technology Global Explorer Conference" today that the brand of Jingdong Finance was officially upgraded to "JD Digits" and a brand-new logo was launched. JD.COM Mathematics will include sub-brands such as Jingdong Finance, JD.COM City, JD.COM Agriculture and Animal Husbandry, JD.COM Molybdenum Media and JD.COM Shaodongjia.
June 5438+October 2022 10, JD.COM IOUs were upgraded, and the upgraded IOUs were upgraded from "credit payment" products provided by small loan companies to credit card products, namely "white cards". "White Card" is a credit card for white users in JD.COM, which is jointly provided by Suqian Teng Jun Information Technology Co., Ltd. (JD.COM White Card Operator) and the bank. JD.COM IOU users can only apply for IOU card service after opening and activating the credit card (the specific name of the credit card is subject to the actual application, referred to as "IOU card").
What does WeChat mean by paying IOUs?
What does it mean to pay a white note on WeChat?
People who often shop in JD.COM know that the white-note flash payment in JD.COM is like the flower bud of Alipay, which is a credit line provided by JD Finance to users and can be used for shopping in JD.COM. To use IOUs in JD.COM Mall, just select IOUs to pay on the cashier page. Wechat IOUs Payment refers to the payment made by IOUs for shopping in JD.COM on the WeChat side. White note payment has an interest-free period. You need to pay some interest after the interest-free period. Wechat payment IOUs operation method: Open JD.COM IOUs in Jingdong Financial APP, and then open JD.COM IOUs for flash payment. At this time, JD Finance will give you a virtual bank card, and the credit line of the bank card is the line of JD.COM IOUs. Adding JD.COM's virtual flash payment card number to WeChat payment is the same as adding other cards to WeChat payment. After successful addition, it can be used directly to display the savings card.
How to calculate the interest of white strip flash charging line?
2065438+On June 4, 2008, JD.COM White Bar charged a service fee for each period, which was equivalent to interest. The calculation formula is: installment service fee for each period = consumption principal × installment service rate (month), and the installment service fee rate for IOUs is between 0.5%- 1.2%. If your conditions are good,
The specific usability of the consumer account Baitiao and Jingdong vault supported by Baitiao Flash Payment is comprehensively evaluated by the system, but it is not supported to be modified or closed after opening. From June 20, 20 17, new users can only use the white line after opening the white line flash payment.
How long does it take to pay off JD.COM's debt directly, and how much is the interest?
How long does it take to pay off JD.COM's debt directly, and how much is the interest?
Interest shall be calculated on a daily basis from the date of receipt of the loan, with a daily interest rate of 0.05%. The actual loan interest rate will be displayed on your loan page.
Calculation method: daily interest = current principal payable * daily interest rate.
After the IOUs are issued, they can be repaid together with the bills. If prepayment is required, single prepayment is not supported for the time being, and monthly repayment is required.
The repayment date is 9 days after the bill date. To avoid misreading the repayment date, please check the specific repayment date:
Jingdong financial computer home page-my assets-my IOU-repayment date;
Jingdong financial APP home page-white note-white note available amount -x monthly bill-final repayment date.
If you write an IOU in JD.COM and return it at the same time next month, there will be no interest.
If you intend to return the IOUs in installments, there are three installments, six installments and 12 installments. Generally speaking, there are many interest-free coupons with white stripes in JD.COM. After receiving the coupon, the amount of installment payment is the amount used for IOUs consumption, with no interest.
How much is the interest on JD.COM IOUs?
You can place your own order and try to divide it into 24 periods. Clicking on 24 will show how much interest there is. If you don't want to pay in the end, just do it.
How much is the interest of JD.COM white car loan?
Car mortgage loan is a vehicle mortgage loan product jointly launched by Jingdong Finance and cooperative institutions (micro-loan network). The user completes the appointment online, and the cooperative organization (micro-loan network) handles the loan business for the user offline. The maximum loan amount of car loan is 500,000 yuan, and the average monthly interest rate is 0.94%. For details, please consult the customer service of micro-loan network at 4000288888.
Application entrance: log in to JD Finance App, and enter the automobile mortgage details and application page through JD Finance App- White Slip-Consumption Staging-Mortgage Loan-Owner Loan.
How much interest does JD.COM need to borrow RMB 4000.00 12?
The installment service fee of IOUs = consumption principal × installment service rate (month), and the installment service rate is between 0.5%- 1.2%. Please refer to the page for the specific price.
Total service fee = service fee per period * number of periods.
How long does it take for JD.COM to refund the IOUs?
The refund rate in JD.COM is still relatively fast.
But, JD COM audit is needed. If the audit is successful,
It should arrive in a few seconds.
How long will JD.COM's IOUs rise sharply?
The cash withdrawal methods of JD.COM IOUs include system cash withdrawal and financial APP small package:
1. System cash withdrawal: The white note system will withdraw the amount for you from time to time according to your consumption behavior, consumption habits, repayment ability and repayment status, so please pay attention;
2. Fixed cash withdrawal package: it is collected through the homepage of Jingdong Financial App-White Strip-White Strip Available Quota-Quota Management-Weekly Cash Withdrawal Package;
3. Temporary cash withdrawal package: it can be collected through Jingdong Financial App Home-White-Xiaobai Credit-Credit Privilege-Wealth-Cash Withdrawal Package or Jingdong Financial Home-White-Xiaobai Credit-Xiaobai Credit Life Cash Withdrawal Package or Jingdong Financial Home-Member Center-Xiaobai Credit-Xiaobai Credit Life Cash Withdrawal Package.
How long does it take to open JD.COM White Strip Flash Payment?
The operating habits of each user using mobile devices are inconsistent, and the operating time cannot be specific to several minutes. However, if your account has the function of opening the white note flash payment, in order to better experience the opening process and use function of the white note flash payment, it is recommended that you use the equipment supported by the page prompts to open the account. After filling in the information correctly and truly, the opening result will be displayed in real time after submission.
How long does it take to enable JD.COM White Strip Flash Payment?
The operating habits of each user using mobile devices are inconsistent, and the operating time cannot be specific to several minutes. However, if your account has the function of opening white-note flash payment, in order to better experience the opening process and use function of white-note flash payment, it is recommended that you use the equipment supported by the page prompts to open the account, and display the opening results in real time after filling in the information correctly and truly.
How often does JD.COM IOU system increase the amount?
The IOUs system will comprehensively evaluate your consumption behavior, consumption habits, repayment ability and repayment status, and will raise the amount for you irregularly. Please pay attention.
Temporary withdrawal package is valid within 3 months after receipt; The valid collection time of the fixed withdrawal package is within 7 days, and there is no validity period after collection.