; ? White note flash payment is a credit payment product of Jingdong Finance, and the consumption amount is the actual available amount of white note. Someone asked, what kind of card is the bank of Shanghai with white stripes? Then let's briefly talk about this problem for everyone, hoping that it will be helpful after reading it.
what card is the bank of Shanghai with white stripes? It is a virtual electronic account. After the user opens the white note flash payment, the system will automatically match the electronic account, which supports Shanghai Bank and Guangfa Bank, depending on which bank the system matches. After matching, it is not supported for users to modify, and it is automatically assigned by the system. Different bank accounts of electronic bank accounts have no influence on the opening and consumption of users' IOUs flash payment, so it doesn't matter under normal circumstances. Users who want to open the white note flash payment can log in to the background to check whether there is a button on the page. If there is no button on the page or the opening fails, it means that the user does not support the comprehensive evaluation of the system for the time being or the mobile phone device does not support it. It is suggested that the user can maintain good consumption and credit status and continue to pay attention later. Since the white flash payment uses the white line, users should pay attention to repayment on time in the subsequent repayment process, so as not to be overdue, so as not to leave a bad credit record. The above is the answer about "What card is the bank of Shanghai with a white note?". Generally speaking, it is a bank electronic account that the user randomly matches after opening the white-stripe flash payment. After using the white-stripe flash payment to pay for the consumption scene, remember to repay in time according to the bill, so as not to be overdue, otherwise it will have an impact. Is the sub-card a credit card
No. A white card is not a credit card. The essence of the white card is the Shanghai Bank Savings Card, but it is different from the general savings card. The card is a virtual card, and the card quota is connected with the white card quota. How much can be spent by the white card? Credit cards and savings cards are completely different, so the white card is not a credit card.
JD.COM Baitiao is the first Internet credit payment product launched by JD.COM. It is a credit payment service for users with high credit rating and consumer demand through credit evaluation with big data.
providing the consumption experience of "consumption first, payment later, real-time examination and approval, and arbitrary staging" has established Jingdong Finance's position as a leading brand in the consumer finance industry.
JD.COM White Bar allows users to enjoy the services of using first and paying later 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, which has opened up O2O (JD.COM arrives at home), global shopping and product crowdfunding in JD.COM system, and then gradually covered the fields of renting, tourism, decoration, education, wedding and so on, providing credit consumption services for more consumers.
In terms of positioning, "JD.COM White Strip" is a credit payment service for users with high credit rating and consumer demand through credit evaluation with big data. Users can enjoy the service of using first and paying later and shopping by installments in JD.COM Mall, up to 24 installments at the longest, and the bills can also be repaid by installments and at the lowest repayment rate, and the execution interest rate is lower than that of bank credit cards. Jingdong Financial Consumer Finance has opened more than 1 million users.
"White Strip" also opened up O2O (JD.COM Arrives 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 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 been gradually extended, and it has cooperated with nearly 1 million online and offline merchants, covering life and entertainment, business travel, education and training, communication and leasing 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.
In addition to providing users with the convenience of paying by installments at will, Baitiao has launched an official creative product store-Time Grocery Store, which adheres to strict aesthetic standards and quality standards to create and select all kinds of colorful and interesting life objects for users, and to establish a healthy and quality life attitude with young people.
JD.COM White Stripes not only bring convenience to users, but also pay great attention to the safety of users being stolen by JD.COM White Stripes.
In the whole process of account login, activation, transaction and information modification, the Tiance Decision Engine System, Tiandun Account Security and Anti-fraud System and Skynet Transaction Risk Monitoring System of JD.com carry out background security scanning for each account behavior, calculate in real time, identify malicious behaviors and high-risk orders, and get through with the mall distribution system to intercept the last mile of high-risk orders. JD.COM White Bar Anti-theft Brush is a unique advantage in the industry.
set up a green channel for feedback on stolen brushes in the service hotline, and set up a special processing flow, and Jingdong Financial Customer Service will give priority to verification and processing. For users who are identified as stolen, the repayment responsibility is exempted, and the relevant accounts are specially treated, which will not affect the user's credit information.
JD.COM White Stripe Sub-card is an electronic bank card jointly launched by Bank of JD.COM and Shanghai. After successful opening, customers can bind third-party payment channels (WeChat, Alipay and mobile phone PAY) for installment consumption. After the card consumption is divided into white stripes, the corresponding consumption amount will be included in the white stripe bill, and after the account is issued, the customer can return the white stripes according to the bill amount.
in addition, the white card can also be used for WeChat transfer, red envelope distribution, AA collection, etc. within a certain limit (the specific use is subject to the page display). Is the white card a savings card or a credit card? Keep these differences in mind
; ? JD.COM Baitiao bought a white sub-card. After opening, you can get a virtual card, which can be added to WeChat or Alipay. However, many card friends are not very clear about the white card, and will ask whether the white card is a savings card or a credit card. Today, I will answer your questions.
is the white card a savings card or a credit card? Many friends know that credit cards also have virtual cards. After opening, they can get a set of card numbers, and they can spend money when they are tied to WeChat or Alipay. The most obvious thing about the credit card is that the credit line is granted by the bank, which can overdraw consumption in advance and make repayment after use. The white card is also a virtual card, but it is not a credit card. In fact, it is a savings card of Shanghai Bank, but it is different from ordinary savings cards. Although the credit line in the card is not granted by the bank, it can be consumed by the white line. After using the white line to split the card, the available white line will be reduced, and the used line will have to be repaid. Different from the ordinary IOUs payment method, the single payment amount of IOUs is 5 or more. After the payment is successful, it will be repaid on schedule according to the number of installments selected when IOUs are divided into cards. There is no interest-free overdraft, which will generate interest, and the daily interest rate is about five ten thousandths. Cancellation is not supported after the installment of the white card, but the installment can be terminated by prepayment. The prepayment rules of IOUs are the same as those of IOUs settlement. In addition to paying off the remaining installment principal, an installment prepayment service fee will be charged. The specific fee is subject to the page display. If the discount is useful in installment, the preferential part of the principal must be made up for the early repayment. The above is the introduction of "Is the white card a savings card or a credit card?" I hope it will help you. Is JD.COM White Stripe Sub-card a credit card?
White-striped card is a kind of savings card, and it is essentially different from credit card. It is a virtual card jointly launched by JD.COM White-striped card and Shanghai Bank. The consumption channels of white-striped card and credit card are the same, and it can be bound to third-party channels, that is to say, it can be spent in these scenarios by binding WeChat and Alipay. The white card is jointly launched by JD.COM Platform and Shanghai Bank, and it is an installment card that can be bound to third-party channels for payment.
At present, there is a quota limit for white card distribution, and the specific quota is determined by the evaluation and review of JD.COM Platform System. JD.COM White Stripe Sub-card can use the white stripe quota in non-Jingdong payment scenarios. The white card can be regarded as the automatic installment business of JD.COM white card. As long as the card trading fair is used to automatically installment according to the number of installments selected at the time of opening, part of the principal and expenses need to be paid for each installment.
strictly speaking, the interest on IOUs is a handling fee, which is charged on a monthly basis. The specific rate depends on the number of installments, which is the same as that of IOUs in JD.COM. No matter how many installments are divided, it is implemented at the rate of .5%/ installment. It is not supported to divide the handling fee and principal of each period into the white bill of the current period, and the second installment is not supported. JD.COM white card must be divided into stages, and a handling fee of .5% is charged for each stage. If you don't want to be divided into stages, you can only do it without using white cards. The difference between a white card and a credit card is that the white card is deducted from the white card when spending. In addition, the credit card quota is awarded through bank evaluation, and the credit card quota is awarded through Jingdong Finance's system evaluation. The amount of IOUs will be deducted when spending by IOUs, but there are differences between IOUs and IOUs in JD.COM. IOUs in JD.COM are free to choose whether to use installment repayment, because they can choose whether to use interest-free installment. However, if the amount of each order of IOUs exceeds a certain amount, they will be repaid according to the number of installments you choose when you pay, and the installment repayment of IOUs will not be interest-free, which will generate interest. Generally, the daily interest rate is about 5/1, and after installment, it cannot be repaid. If you want to pay back the remaining installments in advance, you have to charge the installment advance service fee.