The current maximum limit of JD Baitiao is 15,000 yuan. If the limit is smaller, it is usually around 2,000 to 5,000 yuan. However, this limit is not fixed and can be increased by increasing your data activity on JD.com. Increase the amount.
Extended information:
"Jingdong Baitiao" is the industry's first Internet credit payment product, allowing users to enjoy the consumption of "consume first, pay later, real-time approval, and installments at will" Experience has quickly become an industry model, establishing JD Finance’s position as a leading brand in the consumer finance industry.
In terms of positioning, "Jingdong Baitiao" is a credit payment service that uses big data to conduct credit assessment and provides users with high credit ratings and consumer needs.
Users can enjoy use-now-pay-later and installment shopping services on JD.com for up to 24 installments. Bills can also be paid in installments and minimum repayments, and the interest rate is lower than that of bank credit cards. JD Financial Consumer Finance has over 100 million users.
Since then, "Baidiao" has also opened up O2O (Jingdong Daojia), global shopping, and product crowdfunding within the JD system. Later, it gradually covered areas such as rentals, tourism, decoration, education, and weddings. The credit purchase service extends to the provision of credit consumption loans, covering more consumption scenarios and providing credit consumption services to more consumers.
JD Baitiao’s service scenarios have gradually expanded, and it has cooperated with nearly ten million online and offline merchants, covering the life and entertainment, business travel, education and training, communications and leasing industries. Cooperating with banks to jointly brand the electronic account "Baidiao QuickPass", extending Baitiao payment offline through NFC technology, and further broadening the usage scenarios of Baitiao payment by binding WeChat payment.
In March 2019, according to statistics from the Judgment Documents Network, more than 200 people have been convicted and sentenced for using "Jingdong Baitiao" to commit fraud. According to the age of the 107 defendants disclosed in the judgment, the average age is 28 years old. College student defendants accounted for nearly half of the JD.com Baitiao fraud cases sentenced by two courts in Changsha City. The maximum prison term a defendant was sentenced to was 19 years, and the average prison term was 2.35 years. In addition, more than 362 college students were mentioned in the verdict, making them a more conspicuous group of victims.
JD Baitiao is the first Internet consumer financial product in the industry.
"Consume now, pay later", enjoy an interest-free period of up to 30 days and installment payment of up to 24 installments.
Log in to the official website of baitiao, or the JD Financial APP-Baidiao, and you can enter the page to apply for activation independently. Users of Jingdong Mall are eligible to activate "baitiao" for shopping in the mall.