The installment payment of IOUs in JD.COM is more cost-effective than that of banks. The down payment rate is 0.5%, which is equivalent to the annual interest rate of 6%. During the public beta, the rate is 60% off and the annual interest rate is only 3.6%. The installment fees of the five major banks are all between 0. 55% and 0.75%, and the annual fee is between 6.6% and 9%.

In terms of penalty interest, most credit cards in banks implement full penalty interest, which leads to the cardholder's full penalty interest calculation even if he repays part of the credit line, and the interest expense is usually calculated at five ten thousandths of the daily interest rate. At present, JD.COM is charged according to three ten thousandths, and it is not a full penalty interest. Therefore, if you apply for JD.COM IOUs and spend in JD.COM, it is more cost-effective to use JD.COM IOUs than to use bank credit cards.

Matters needing attention in the use of white bars in JD.COM

Ordinary IOUs need to have a good consumption record in JD.COM. During the activation process, they need to bind a savings card or a credit card to verify their identity. JD.COM will judge whether it is necessary to bind a savings card or a credit card according to the user's consumption in JD.COM. Generally, a high-level member only needs to bind a savings card.

Number of white bars: It should be noted that the number of white bars on campus is determined according to the applicant's school situation. The amount of ordinary IOUs is related to the consumption of users in JD.COM. The more you spend, the higher the level, and the higher the corresponding quota, and then you can increase the quota.

Refer to the above? Baidu Encyclopedia-JD.COM White Strip, Baidu Encyclopedia-Credit Card Installment Payment