What to do if the repayment slip is accidentally split into installments

1. Contact JD.COM customer service, provide relevant information, and apply for settlement.

2. If the installment is due to abnormal account behavior, you can provide relevant information and apply for settlement.

3. If the installment is due to account debt, you can repay it in time and apply for settlement.

4. If the installment is due to account debt, you can apply for settlement from JD.COM Baitiao customer service. How to convert Baitiao Point Card back to Baitiao QuickPass

Baidiao Point Card cannot be changed back to Baitiao QuickPass.

In 2021, JD.com officially stated that Baitiao QuickPass will soon be unavailable for transactions and needs to be upgraded to Baitiao Points Card, so it cannot be changed from Baitiao Points Card to daytime QuickPass.

Payment with Baitiao Fenfen Card is mandatory, but Baitiao QuickPass is different; Baitiao Fenfen Card and Baitiao QuickPass both open Class II accounts with cooperative banks, but Baitiao Fenfen Card can be bound to WeChat Pay, but Baitiao Quick Pass cannot. It’s okay if you don’t need to use the Baitiao branch card once it’s been opened.

Generally speaking, there won’t be any problems if you don’t use the JD Baitiao branch card after it’s opened. JD Finance doesn’t force you to use it after it’s opened. When will you wait for customers to use it? Just use it if you need it.

Everyone can rest assured that there will be no fees when using the Baitiao Fenfen Card. Customers only need to repay when they use it for consumption. Since the Baitiao Fenfen Card is an installment consumption card with automatic installment by default, after customers use the card to make purchases, they will need to repay the consumption principal and corresponding installment fees on schedule (regardless of the number of installments, the fee is 0.5%) /period rate execution).

Everyone needs to note that if you do not use Baitiao Point Card temporarily, you must keep your personal information safe to prevent personal information from being leaked and causing security risks. It would be bad if it is stolen by others, and personal money will inevitably be damaged. In fact, the Baitiao Fenfen Card itself uses Baitiao's credit limit. If the customer does not need installments, there is actually no need to open the Baitiao Fenfen Card.

"JD Baitiao" is the industry's first Internet credit payment product, allowing users to enjoy the consumption experience of "consume first, pay later, real-time approval, and installment as you wish". It has quickly become an industry model and laid the foundation for JD. Finance’s position as a leading brand in the consumer finance industry.

In terms of positioning, "Jingdong Baitiao" is a credit payment service that uses big data to conduct credit assessment and provides users with high credit ratings and consumer needs. Users can enjoy use-now-pay-later and installment shopping services on JD.com for up to 24 periods. Bills can also be paid in installments and with minimum repayments, and the interest rate is lower than that of bank credit cards. JD Financial Consumer Finance has over 100 million users.

Since then, "Baidiao" has also opened up O2O (Jingdong Daojia), global shopping, and product crowdfunding within the JD system. Later, it gradually covered areas such as rentals, tourism, decoration, education, and weddings. The credit purchase service extends to the provision of credit consumption loans, covering more consumption scenarios and providing credit consumption services to more consumers.

JD Baitiao’s service scenarios have gradually expanded, and it has cooperated with nearly ten million online and offline merchants, covering the life and entertainment, business travel, education and training, communications and leasing industries. Cooperating with banks to jointly brand the electronic account "Baidiao QuickPass", using NFC technology to expand Baitiao payment offline, and further broadening the usage scenarios of Baitiao payment by binding WeChat payment.

In March 2019, according to statistics from the Judgment Documents Network, more than 200 people have been convicted and sentenced for using "Jingdong Baitiao" fraud. According to the age of the 107 defendants disclosed in the judgment, the average age is 28 years old. College student defendants accounted for nearly half of the JD.com Baitiao fraud cases sentenced by two courts in Changsha City. The maximum prison term a defendant was sentenced to was 19 years, and the average prison term was 2.35 years. In addition, more than 362 college students were mentioned in the verdict, making them a more conspicuous group of victims.