How to use a credit card for installment in JD.COM
Just open the JD.COM APP for installment.
direct credit card installment in JD.COM can be carried out according to the following steps:
1) Open the official JD.COM Mall, and then log in to JD.COM Mall. Select the goods you want to buy on JD.COM website, and click to enter the product details page. Some goods will support installment payment.
2) Click the "installment" button next to the purchase button. In the pop-up dialog box, you can see that JD.COM supports the installment buttons of China Merchants Bank, China Everbright Bank and Minsheng Bank. Click the "Add to Shopping Cart" button to start placing an order.
3) Click the "Go to Shopping Cart for Settlement" button in the new page, and then click the "Go to Settlement" button. In the check order information page, you can choose to pay by installment, and click "Modify" on the right side of "Payment and Delivery Method".
4) check the "installment payment" radio box button, then click the "save payment and delivery method" button, finally click the "submit order" button, then select the payment bank card and click the "next" button.
5) Select the number of installments, and then click "Confirm Payment" to complete the installment payment operation of the selected bank in the new page that pops up.
Credit card installment banks supported by JD.COM: If direct transaction installment is selected, card friends can only choose the credit cards of China Merchants Bank, China Everbright Bank and Minsheng Bank. If not, if you want to use other bank credit cards, you can apply for installment business through bank credit card customer service.
1. JD.COM's business philosophy: Globalization of competition is brought about by internationalization, and the field of e-commerce in China is changing rapidly. As a flagship enterprise bearing the brunt, JD.COM will inevitably face more intense and even white-hot business competition. Facing the increasingly fierce market competition, JD.COM always tells himself: We should not only strengthen close cooperation with strategic partners, but also cooperate with rivals on the basis of full competition. JD.COM's understanding of cooperation is * * * win development cooperation, joint and complementary cooperation, and "competition and cooperation * * * win" brought by cooperation is JD.COM's eternal concept of seeking development.
operating environment:
mobile phone model: ELS-AN2...212
JD.COM: 1.3.
how to pay online by credit card in JD.COM? Can I use China Merchants Bank credit card?
You can directly check the credit card you have bound to your account for online payment of shopping in JD.COM Mall. If there is no bank card bound, you can click Add New Card/Online Banking Payment on the cashier page and enter to make payment. You can also click Select by Bank to check whether the bank's credit card supports payment. At present, China Merchants Bank credit card can be used.
The operating steps of credit card payment are as follows:
Computer:
1. Select the goods and submit the order to the cashier page. If there is a credit card bound in the account, you can directly check it for use. If there is no bank card bound, you can click Add New Card/Online Banking on the cashier page
2. You can enter the bank card for identification. If it is not supported, you will be prompted. If it is supported, you can use it.
3. If you want to check the card types supported by the bank card, you can click Select by Bank and put the mouse on the corresponding bank to check the supported card types. As shown in the figure, China Merchants Bank supports savings card and credit card payment.
2. JD.COM APP:
1. On the cashier page after submitting the order, if there is a credit card bound in the account, you can directly check it for use. If there is no bank card bound, you can click on another bank card on the cashier page-pay with a new card
2. Click on the savings card or credit card, and you can view the supported banks separately, and select the bank to bind the payment.
Why can't JD.COM pay by credit card
for shopping in JD.COM? If you can't pay by credit card, it is probably due to the following reasons:
The status of the bound credit card account is abnormal (it may have expired, or it has been cancelled, or the card magnetic stripe/chip is damaged), so you can't pay.
the current available amount of the bound credit card is lower than the transaction amount, so the transaction cannot be paid.
The bank to which the credit card belongs is not within the scope of banks supported by JD.COM (generally, large commercial banks support it).
the credit card limit has been frozen by the issuing bank, which makes the customer temporarily unavailable.
the system has detected that there are risks in the transaction, so the transaction is restricted (for example, it is suspected that it is not my own operation, which may be a stolen brush).
credit card consumption is a non-cash transaction payment method, and it is not necessary to pay cash when spending, and the repayment will be made on the BillingDate.
Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit.
The credit card generally refers to a debit card only.
from January 1, 221, the credit card overdraft interest rate will be determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate will be cancelled (the original upper limit is .7 times of the daily interest rate, and the lower limit is .7 times of the daily interest rate).
Main features of credit card:
1. Credit card is one of the fastest-growing financial services, which can replace traditional cash circulation in a certain range;
2. Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also obtain certain loans from card issuers by using credit cards;
3. Credit card is a high-tech product integrating financial business and computer technology.
4. Credit cards can reduce the use of cash currency;
5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;
6. Credit cards can simplify the collection procedures and save social labor;
7. Credit cards can promote commodity sales and meet social needs.
to apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
generally, the application method is to fill in a credit card application form, and the contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant. And submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate. The application form is accompanied by a contract for using a credit card. The applicant authorizes the issuing bank or relevant departments to investigate its relevant information, submit a statement on the authenticity of the information, the privacy protection policy of the issuing bank, etc., and must have the applicant's autograph.
Can I use a credit card for online shopping in JD.COM?
yes, jingdong payment: cross-bank and cross-regional credit cards can be used for repayment, and there is no handling fee.
The difference between JD.COM IOUs and credit cards:
1. The standard for collecting overdue penalty interest is different:
In the case of overdue repayment of credit cards, even if the cardholder repays part of the arrears, it is necessary for the cardholder to pay the penalty interest amount of the full amount owed, and it is necessary to pay five ten thousandths of the liquidated damages every day to repay the loan in advance; As long as JD.COM IOUs exceed the final repayment date, they will charge liquidated damages at the rate of three ten thousandths per day. It should be noted here that JD.COM IOUs do not charge full penalty interest.
2. The installment fee is different:
The installment fee for JD.COM IOUs is .5%, and users can also enjoy the discount of .3% during the promotion period when they consume IOUs in JD.COM; Generally, most banks charge .6% to 1.5% for credit card installment.
3. Interest-free periods are different:
Credit cards can provide cardholders with a maximum interest-free period of 56 days, while JD.COM IOUs have an interest-free period of 3 days. However, if users use credit cards to repay, they can enjoy an interest-free period of up to 86 days with reasonable repayment skills.
4. The application conditions are different:
JD.COM White Bar has relatively loose requirements on opening conditions, as long as the user spends more than 6 times in JD.COM and binds a credit card in JD.COM; Applying for a credit card is very strict with the qualification requirements of the applicant, which not only requires the applicant to have repayment ability, but also requires the applicant to have good personal credit information, etc. Relatively speaking, it will be easier to apply for a white note.
5. The scope of use is different:
JD.COM White Strips can only be used in JD.COM at present, and offline consumption is not supported; Credit cards are widely used, not only for offline shopping, but also for online shopping.
how to bind a credit card in JD.COM?
JD.COM, with its efficient transportation efficiency and strict quality requirements of the platform itself, has made great efforts in the electric business community, which is a huge contrast with the image created by the struggle. It is very necessary for everyone to know the basic operations of binding and unbinding credit cards in JD.COM. I'll summarize the specific process for you in the following:
The method and steps for computer terminal (PC) to operate JD.COM Mall to bind credit
1. Open JD.COM official website
2, then click "Login", enter your account number and password, and then click Login again
3. Find "My JD.COM" in the top middle of the page, and click it to enter the personal center, and then put the page. Click "Personal Information"
5. Also at the far left, find "Express Payment"
6. Click "Add Express Card". If you have bound a card before, you can only bind the bank card under the account name of that card. If you have not bound a bank card before, fill in the identity information of the credit card and the bank card account number under your name truthfully, and then click the consent agreement and confirm.
mobile phone operation
To delete the credit card or savings card bound to JD.COM, please follow the following steps:
① Find the JD.COM app in the mobile phone owner's menu, touch it to open
② Select mine in the JD.COM app, and then select my wallet (according to the sequence in the figure)
③ In my wallet, select my bank card
④ In my bank card, select. Select delete in the pop-up box
Yes, it's as simple as that. Your friends in JD.COM who haven't bound credit cards can operate, and credit cards also have many promotional activities. If you apply for a credit card that cooperates with JD.COM, it will be more favorable and affordable, so that you can enjoy real benefits!
Can I use a credit card for cash on delivery in JD.COM?
According to official website in JD.COM, cash on delivery in JD.COM supports POS card swiping. However, cash on delivery in JD.COM currently only supports UnionPay bank cards, so consumers can use UnionPay credit cards to pay cash on delivery in JD.COM. When using a credit card, the cardholder should pay attention to the following points:
(1) Have self-control ability when spending. Although the credit card has liberated the shackles of consumers and brought them a free consumption experience, for those who have no self-control or have no accurate understanding of their financial situation, credit card consumption will bring serious consequences and make them bear debts that are difficult to pay off.
(2) Carefully consume by stages. Because installment consumption converts huge consumption amount into small monthly repayment, it greatly reduces the psychological pressure of consumers. This can easily lead consumers to have the illusion that they can bear more debts and continue to consume, which will eventually lead consumers into a debt crisis.
(3) Don't rob Peter to pay Paul. Some consumers will use another bank's credit card for repayment after spending a lot of money with it. Cardholders must avoid this repayment method of robbing Peter to pay Paul. Because the loan needs to repay interest, if it is repaid in this way, the borrower's arrears will continue to rise and the interest will continue to increase. This will lead to less and less available income for borrowers and eventually make ends meet.
Let's stop here for the introduction of how to pay by credit card in JD.COM.