How to apply for a white note in JD.COM

If you have a credit card user, go to the white note activity page of Jingdong Financial Channel, click the button "Grab a white note and win free of charge", and you can get the qualification of "white note" after doing the task binding. Users who don't have a credit card, go to the white note activity page of Jingdong Financial Channel, click the button "Grab the white note to win the free ticket" and choose to make an appointment to apply for it.

JD.COM White Bar is the first Internet credit payment product in the industry, which allows users to enjoy the consumption experience of first consumption, then payment, real-time approval and arbitrary installment, and quickly becomes an industry model, laying the position of Jingdong Finance as a leading brand in the consumer finance industry.

in terms of positioning, JD.COM baitiao is a credit payment service that carries out credit evaluation through big data and provides users with high credit rating and consumer demand.

In JD.COM Mall, users can enjoy the services of first use and then payment and installment shopping, up to 24 installments at the longest, and the bills can be repaid in 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.

how to apply for white stripes in JD.COM

how to open the white stripes on JD.COM? Let's take a look.

How to open JD.COM White Bar

Ask JD.COM's homepage on the computer, and after logging in, select "JD.COM White Bar" in the navigation bar on the left side of "My JD.COM", and activate it according to the prompts in the diagram:

1. Click "Activate Now" above the figure below:

2. After clicking the "Activate Now" button, the webpage will jump to the online banking wallet website page (hereinafter referred to as "Activate Now"). Fill in the bank information (credit card):

4. Select the binding bank card (debit card):

Note: Please carefully read the Credit Payment (JD.COM White Slip) Service Agreement, Online Banking Wallet Service Agreement and other related agreements listed on this page, and after confirming that you accept all the contents in the agreement, click "I have read and agreed" and then click "Activate Now" button.

5. After successful activation, the actual available amount will be displayed:

There are licensed small loans in the market, such as Du Xiaoman, Zhong 'an Small Loan, 36 IOUs, Pat Loan, Coin jar, Provincial Loan, Micro Loan, Loan Loan Loan, installment loan, Banyan Loan, Jingdong Finance, Ping An Pratt & Whitney, Immediate Finance and its bank small loan products, etc., which have been used for business turnover before. Share it with those in need, scan the QR code below to enter!

can I apply for/activate JD.COM IOUs without a credit card?

Xiao Qi, a netizen, consulted and said that he would like to apply if he saw that JD.COM IOUs could be overdrawn and repaid by a credit card. But I heard that only a credit card can activate the white note, so I want to know if it's true. Here, I'd like to introduce the related matters of JD.COM White Bar Activation.

JD.COM White Bar is a consumer credit product of Jingdong Finance, which is similar to a credit card. You can make purchases with white bars in JD.COM Mall, and then repay the white bars. There is a maximum interest-free period of 3 days, and you can also pay in installments. Of course, you have to activate the white bars in advance.

how can I activate a white note without a credit card?

Because JD.COM White Bar is a credit payment product for individual users, based on the credit system of Jingdong members, JD.COM will evaluate customers' credit online in real time.

To activate the "JD.COM White Slip" service, you only need to fill in your name, ID number and common address, and bind your bank card for real-name authentication.

And this bank card can be a credit card or a savings card. If there is no credit card, you can also bind the savings card for real-name authentication, and then activate the white note. The specific activation process is as follows:

1. Open the JD.COM page, enter JD.COM account number and password to log in;

2. Find "JD.COM White Bar" on the homepage, and click the white bar to enter the activation page;

3. Improve personal information-real name-ID card-real delivery address-real name authentication-improve bank card information;

4. You can activate the white bar after completing the above steps.

what should I do if I fail to activate the white bar?

If you can't activate it at this stage, you can try to spend more money in JD.COM. You'd better pay online and use your bank card for quick payment. Generally speaking, it can be summarized as follows:

1. Increase and maintain a better consumption record in JD.COM.

2. purchase and use the wealth management products and services of jingdong finance.

3. Open Xiaobai Credit and improve Xiaobai Credit Score.

How to activate JD.COM White Bar without a credit card

Although there are many friends shopping in JD.COM, I believe there are still many friends who can't use JD.COM White Bar and won't activate it if they get a quota. Many people report that they have to bind a credit card to activate JD.COM IOUs. The problem is that many friends who apply for IOUs in JD.COM don't have credit cards. If they have credit cards, why apply for IOUs?

how can I activate a white note without a credit card?

1. activation of online banking wallet: as long as the name, ID number and common address are filled in the online banking wallet, and the credit card (debit card) is authenticated.

2. wechat activation: search for wechat WeChat official account and JD.COM white stripes, then check the historical news, click that activation and send five yuan, pull it to the end, read the original text, then activate the white stripes, and then enter as required.

what's the use of applying for JD.COM IOUs when you have a credit card?

1. JD.COM IOUs is a payment method of consumption first and payment later in JD.COM, which can enjoy an interest-free period of up to 3 days and installment payment of up to 24 installments, and the interest of IOUs installment payment is lower than that of credit cards.

2. JD.COM IOUs have another advantage, that is, the 3-day interest-free period can be used in combination with the interest-free period of credit cards. That is to say, after enjoying the 3-day interest-free period of JD.COM IOUs, users can pay with their credit cards, and then enjoy the interest-free period of bank credit cards for up to 56 days. In this way, you can enjoy an interest-free period of up to 86 days in total.

Reminder: JD.COM invited users through a comprehensive analysis of user activity, user age and the value of purchased goods for a period of time, so if you can't activate JD.COM White Bar, you can try to spend money in JD.COM, and it is best to pay online. Then try activation again after a while.

do you need a credit card for JD.COM IOUs? There is no need to activate

You can use a savings card and a credit card to activate the IOUs, but at present, only some users are supported to activate with a savings card. The specific types of bank cards supported are subject to the actual display when you activate them.

the ways to activate ordinary white stripes are as follows:

1. jingdong financial App

operation path: jingdong financial App home page-white stripes-activate immediately

2. activating white stripes on computer side

operation path on computer side: jingdong financial home page-white stripes-activate white stripes

Tips:

The activation result of white stripes is determined by the system according to the comprehensive evaluation of the materials you filled in. If your activation result page prompts that you can buy a wealth management blank or apply for a small white card blank, you can also try to follow the prompts.

can I use JD.COM white stripes without a credit card?

you can use JD.COM white stripes without a credit card.

JD.COM White Bar is the first Internet consumer financial product in the industry. "Pay first, then pay", enjoy a maximum interest-free period of 3 days and a maximum of 24 installments. Log in to baitiao official website or Jingdong Financial APP- Baitiao, and you can enter the page to apply for activation independently. Users of JD.COM Mall are eligible to activate the "white note" for mall consumption.

According to the person in charge of risk control of Jingdong Finance Consumer Finance Division, there is no credit for consumer finance business that needs manual approval, and users are identified through the risk control big data model. The post-typhoon control system will "identify" users according to shopping habits, credit status, stability of receiving address, etc., combined with various factors and data, and then quickly give the evaluation result of whether the "white strip" can be activated.

Extended information:

JD.COM IOUs were banned by credit cards and accused of "repaying credit with credit":

According to the regulations of the regulatory authorities, the overdraft of personal credit cards of commercial banks (excluding Huinong credit cards serving "agriculture, rural areas and farmers") should be used in consumption areas, and not in non-consumption areas such as production, operation and investment. Customers can't use credit card overdraft to recharge their payment accounts. Some insiders said that the practices of China Merchants Bank and Bank of Communications are understandable.

JD.COM IOUs can provide customers with two different consumer payment methods, i.e. deferred payment for up to 3 days or installment payment for 3-24 months, and a certain credit line. The products are very similar in function to credit cards, and can be regarded as credit products. If the customer chooses to use a bank credit card to repay the loan, it belongs to the behavior of "repaying the loan with a loan" and there is compliance risk.

The person also pointed out that the ant "Huabai", which is similar in nature to JD.COM's white bars, can't use credit cards to repay the bills, and only supports automatic deduction for quick payment from the user's balance, balance treasure and debit card. Compared with credit card repayment, this practice is more secure. It is worth noting that experts also have different perspectives on the storm caused by the repayment of IOUs.

Some people think that we should face up to the risk of credit card repayment to IOUs. Dong Ximiao, a visiting researcher at Chongyang Financial Research Institute of Renmin University of China, said that although Jingdong Finance indicated that IOUs were products purchased on credit, in terms of actual functions, the characteristics of credit granting, overdraft, repayment and installment can be identified as products like loans or credit cards.

credit rating itself is the threshold to realize early consumption, so there are risks in repaying by credit card. Liu Yinping, a financial analyst at Rong36, pointed out that it is an act of "repaying credit with credit" if you delay payment with JD.COM IOUs, which is indeed illegal. Although it has not been explicitly prohibited by the regulatory authorities, it is wandering in a gray area.