Similarities:
1, a credit payment service launched by large Internet companies, can provide users with convenience of installment payment and credit shopping.
2. Require users to carry out real-name authentication and pass relevant audits before they can use it.
Difference:
1. The platforms used are different: JD.COM White Bar is the credit payment tool used by JD.COM Platform, and Bai Hua is the credit payment tool used by Alipay Platform.
2. The range of businesses supported is different: JD.COM White Bar is mainly used on the platform of JD.COM, and you can buy goods on JD.COM or use it on the websites of cooperative businesses; Flower buds can be paid at Alipay's partner stores and offline merchants.
3. Different payment methods: JD.COM IOUs mainly pay by installments, which can be repaid monthly or by installments; Flower buds support various payment methods such as one-click payment and installment payment.
4. Different credit evaluation methods: JD.COM Baitiao credit evaluation takes the consumption data of users shopping in JD.COM as the main reference; Bai Hua's credit evaluation refers to the consumer behavior, credit records and other related indicators on Alipay platform.
5. Different credit lines: The credit line of JD.COM IOUs is determined according to the historical consumption and credit evaluation of users; The credit limit of Huabai is determined by the user's sesame credit score.
The above are some simple introductions and differences between white stripes and white stripes in JD.COM. If you want to know more about personal credit, you can search "Beijian Kuaisou" and inquire about the credit data of 100 banks to learn about your personal credit, online loan application records, overdue and other important data information. Query is very convenient, just click Query and enter information to complete the query.