How many credit points do JD Xiaobai need to open Baitiao
JD Xiaobai with a credit score of ≥80 will have the opportunity to open JD Baitiao and obtain Baitiao consumption quota. You can choose Baitiao when spending money on JD.com Pay. You can check your Xiaobai credit score and the rights you can enjoy on the computer and JD Finance APP. The path to view the credit rights of JD Xiaobai is as follows:
1. Computer terminal: JD Finance Home Page - Member Center - Xiaobai Credit - Xiaobai Credit Life;
2. APP terminal: JD Finance APP Home Page - Credit - All - Xiaobai Credit - Credit Privileges. How to borrow money and withdraw cash from JD Baitiao
The opening thresholds are different
To open JD Baitiao, you need to make six purchases in JD Mall and become a bronze member. In addition, users must bind a bank card . If there are already six transaction records and no bank card is bound, you need to bind a card when opening Baitiao.
Ant Huabei requires real-name authentication and a Zhima credit score of 600 or above. Users can improve their Zhima Credit scores by supplementing information in Alipay, increasing the number of associated credit cards, increasing the number of purchases, increasing the number of friends, and other channels. Credit card applications vary from bank to bank, and applicants need to inquire with the bank for specific requirements.
Comparison of credit limits
The two Internet platforms JD Baitiao and Ant Huabei grant different credit lines based on membership levels and credit scores. Ant Huabei does not stipulate a maximum credit limit. For ordinary users, the limit is between 3,000 yuan and 6,000 yuan.
The maximum credit limit of Jingdong Baitiao is 15,000 yuan, and the limit for general users is 3,000 yuan to 5,000 yuan. Credit card limits range from a minimum of 3,000 yuan to a maximum of hundreds of thousands of yuan.
Interest-free period and rate comparison
The interest-free period is up to 30 days for Jingdong Baitiao, 41 days for Ant Huabei, and 56 days for credit cards. The rates of Ant Huabei are 2.5 for the three periods, 4.5 for the 6th period, 6.5 for the 9th period, and 8.8 for the 12th period. The installment rate of Jingdong Baitiao is said to be 0.5 per installment, which means that the total rate is directly related to the installment time. For example, the installment rate is 3 for 6 installments. Credit card rates vary from bank to bank, generally around 0.7 per issue. During festivals and some major events, e-commerce companies generally extend the interest-free period in order to attract customers. For example, during this year's "Double 11" period, Tmall Mall has pre-sale products for Double 11 starting from October 13, and you can use Huabei to pay interest in six installments. As for Baitiao, from November 1st to November 9th to November 13th, if you click "Baidiao" to shop on JD.com, you will get 6 periods of interest-free / 50% discount on 12 periods of interest (including global shopping); new users of Baitiao, click "Baidiao" The first 12 installments of "Baitiao" are interest-free and the interest rate for 24 installments is 50% off. When purchasing computer office, digital, home appliances and other commodities in installments through "Baitiao" on JD.com, you can enjoy interest-free for up to 12 installments. In addition, those who participate in Baitiao's interactive games can also participate in a lottery. The prizes include 12 interest-free coupons and a 1,111 yuan Baitiao repayment coupon. New Baitiao users also have the opportunity to receive a 50 yuan cash discount coupon. Here is another tip. It is recommended that you pay with Huabei or IOU first, and then apply for installment when the repayment is about to be completed, so that the interest-free period can be extended accordingly.
Please click to enter the picture description (maximum 18 characters). Why can I only withdraw 1,000 from Jingdong Baitiao’s 10,000 limit?
1. Positive answer
There is no limit on the number of times Baitiao can withdraw cash. As long as the page has a quota, you can withdraw cash unlimited times.
2. Specific analysis
The withdrawal limit of Baitiao is usually not too high, so when the limit on the page is used up, cash withdrawal will not be possible.
In addition, the withdrawal of cash from Baitiao must have an entrance and a quota to be successful. You cannot withdraw cash without an entrance or a quota.
Some applications for cash withdrawal from white bars will jump to gold bars. At this time, you can apply for gold bars normally. Gold bars are also cash loan products. If the application is successful, the money will be transferred to the bank card.
You can get a big data report from Xiaoqixincha, find out your overdue records, and classify your online loans into formal and informal, credit-reported and irregular. On the credit report. If you want to repay the money but don't have enough funds, then negotiate with the online loan platform and give priority to repaying those with regular credit reports to minimize the impact on you.
3. Why can I only withdraw half of the 1,000 Baitiao quota?
If Bai Tiao has a limit of 1,000 yuan, but can only withdraw half of it, that is, 500 yuan, it is probably because the maximum withdrawal limit for Bai Tiao provided by the system is only 500 yuan.
Everyone needs to note that Baitiao’s cash withdrawal limit is determined by the system’s comprehensive evaluation based on the credit limit and is included in the credit limit. Therefore, it is normal for Baitiao’s cash withdrawal limit to be less than the credit limit.
It does not mean that the amount of cash you can withdraw depends on the credit limit (the specific amount is based on the account limit display, and independent adjustment of the cash withdrawal limit is not supported).
Of course, it is also possible that the cash withdrawal limit provided by Baitiao after the system evaluation is the entire credit limit, but the cash has been withdrawn once before, but has not been repaid, so the remaining cash withdrawal limit in the account is only 500. Yuan, so this time I can only withdraw 500 Yuan.
But you can rest assured that as long as you pay off the money on time, you can continue to withdraw cash after the limit is restored. Can I withdraw cash from Jingdong Baitiao? Jingdong Baitiao cash withdrawal process
Now with the development of mobile Internet, many people are accustomed to shopping on Jingdong. In addition to Jingdong Mall, Jingdong also has Jingdong Finance. It is understood that Jingdong Finance has a product similar to Alipay Huabei. Product - Jingdong Baitiao.
JD Baitiao is a new payment method that “consume first, pay later”. Users who use Baitiao to pay can enjoy a deferred payment period of up to 30 days or an installment payment method of up to 24 installments. JD Baitiao has attracted many customer groups with its unique advantages. Unlike Huabei, JD Baitiao supports cash withdrawals.
How to withdraw cash from Jingdong Baitiao? What is the cash withdrawal process for Jingdong Baitiao?
Withdrawing cash from JD Baitiao is actually very simple. There are two main methods:
The first method: JD users can log in to JD Finance, and then click Baitiao - Baitiao Amount - Baitiao Cash Withdrawal to enter the Baitiao Cash Withdrawal page.
The second method: JD users log in to the JD APP and click My-Baidiao-Cash Withdrawal to enter the Baitiao cash withdrawal page.
It should be noted that Jingdong Baitiao does not support withdrawals to credit cards, only debit cards; and the minimum withdrawal amount from Baitiao is 100 yuan, the amount of cash withdrawal needs to be a positive integer, and the maximum cash withdrawal amount cannot exceed Jingdong Baitiao. Quota.
How much is the interest rate for cash withdrawals from Jingdong Baitiao? How much is the handling fee?
It is understood that JD Baitiao’s cash withdrawals are free of withdrawal fees, but a certain amount of interest will be charged on the withdrawal amount. From the day of withdrawal, the daily interest rate will be calculated at a rate starting from 0.05. So, is Jingdong Baitiao interest cost-effective? If you withdraw cash by credit card, the daily interest rate is also 0.05. It can be seen that the interest rate of JD Baitiao is not high.
When withdrawing cash from Jingdong Baitiao, the interest calculation is also very simple. Jingdong Baitiao interest = principal payable * daily interest rate. However, the specific charging situation is still subject to the actual operation page. However, although the interest rate of Jingdong Baitiao is not high, it is still recommended that everyone repay the loan as soon as possible to avoid the negative impact of overdue payment on your credit report.
It should be noted that because everyone’s qualifications and credit standing are different, the actual interest rate will be slightly different when withdrawing cash from JD Baitiao. At the same time, in addition to interest, Baitiao cash withdrawals will also charge handling fees. However, individual users do not need to charge handling fees. The specific handling fees are subject to the page display.
Why can’t some people withdraw cash from JD Baitiao?
Some friends excitedly want to withdraw cash from JD Baitiao, but find that they cannot withdraw cash. What is going on?
Why are some people unable to withdraw cash from JD Baitiao?
According to the answer from JD Financial customer service: Baitiao cash withdrawal is a new benefit launched by JD Finance for users of the Baitiao billing system. The Baitiao quota (fixed limit) of bill-based users is evaluated by the system to obtain the highest Baitiao cash withdrawal limit. Users can withdraw the cash withdrawal limit from Baitiao to the savings card of the account owner. After the cash withdrawal, interest will be calculated on a daily basis and included in Baitiao's bill. Currently, this service is only available to some users, and more users will gradually open it.
Insufficient credit limit: It doesn’t mean that Baitiao has a credit limit or that you can withdraw cash. Although it is said that Jingdong Baitiao can withdraw cash, the withdrawal limit of Jingdong Baitiao is the Baitiao limit, excluding the temporary limit. Therefore, the prerequisite for withdrawing cash is that your JD Baitiao has a limit, not a temporary limit.
Insufficient qualifications: When using Baitiao, you have experienced overdue transactions, etc., which has stained your credit. This reason will also affect the cash withdrawal from Baitiao.
1. Complete the information: This is very important. After all, only if JD Baitiao knows your information and has a clear grasp of you, can it lend you money with confidence. Therefore, if you want to obtain the JD Baitiao withdrawal limit, You must upload your real ID card and add the bank card corresponding to the ID card, etc.
2. Shopping a lot: Shopping a lot on JD.com will make JD.com feel that you have spending power and purchasing power. Moreover, use Baitiao to pay more often. For example, when shopping on JD.com or other platforms that support JD.com payment, use JD.com Baitiao more often.
3. Timely repayment: When using Jingdong Baitiao, you must repay the money in time and never be overdue. Whether you can withdraw money from Jingdong Baitiao is closely related to your personal credit, so you must maintain good credit.
4. JD Financial Management: JD Baitiao is the credit brand of JD Finance. You can also purchase other products of JD Finance. For example, JD Finance offers insurance, monetary funds and bank financial management, increasing the usage of JD Finance.
It should be noted that Jingdong Baitiao has been included in the credit report. Everyone must repay on time after withdrawing cash to avoid overdue payments and adverse effects on your credit report. At the same time, overdue IOUs will incur a certain percentage of liquidated damages, which is very uneconomical.