In February this year, JD.COM launched the credit purchase business "JD. COM white strip. " When shopping, users can choose two different ways: deferred payment for up to 30 days or installment payment for 3 to 12 months. If the former is selected, the user does not need to pay any interest, and the latter is calculated at the interest rate of 0.5% per period.

“JD。 The maximum application for "COM White Strip" is 6.5438+0.5 million yuan, but users with few open places, few transactions or low consumption cannot qualify.