Generally speaking, you pay for things by credit card. The method of purchasing credit for the 24th period: Select the appropriate goods in JD.COM Mall, and click to join the shopping cart; After entering the shopping cart settlement, the page jumps to the order settlement page, where you can use Beijing coupons, East coupons, gift cards, freight coupons, etc., you need to manually check the coupons in the discount/gift card/offset column and submit the order after confirmation; After submitting the order, enter the cashier's page and select the number of periods limited by interest-free coupons. At this time, the page will prompt that there is an installment service fee. Click on the discount, please select the button to check the interest-free coupons and confirm; The page will display the coupons that have been used, and the installment amount column will prompt that the service fee is . Please complete the payment at this time.

operating environment:

brand model: Huawei nova8

system version: 2...218,

app version: JD.COM version 6.1.1

1. tmall "credit purchase" has covered nearly 5, items, including 3C digital products, home appliances, clothing, FMCG and other main categories. Suning.cn, Midea, Glory, Boss Electric and other brands opened credit purchase for some goods in Tmall. Users can search Tmall credit purchase page or Sesame credit by hand, enter the product page to select the credit purchase method, and authorize the credit to purchase the product and try it out, and finally decide whether to buy or return it at the end of the 7-day experience period. According to the official, Sesame Credit launched a pilot credit purchase in a few Tmall merchants in 221. Half of the credit purchases were post-9 s users, and the population distribution was mainly in first-tier cities such as Beijing, Shanghai and Guangzhou. At the same time, some merchants who participated in the credit purchase pilot in the early stage increased the unit price of customers by more than 6% on average, and the conversion rate exceeded 15%.

2. This shopping mode is somewhat different from normal online shopping. Normally, when shopping on Taobao, you have to pay first. Although normal online shopping also has the service of returning goods for 7 days without reason, which is similar to the 7-day experience of credit purchase, credit purchase has obviously changed the shopping mode, from paying first and then experiencing to paying first. Tmall credit purchase makes users have no pressure to shop. From the initial lack of money, they can't shop online, and by 222, they can shop first and then pay. Although Taobao has long been able to realize the function of shopping first and then paying, shopping with flower beds can be repaid this month, but credit purchase and flower beds shopping are obviously two different services. Credit purchase is only a mode for shopping, while flower garden is a payment method. The greater role of credit purchase is to make users pay more attention to the accumulation of sesame credit. Only when the credit reaches 65 points can this privilege be enjoyed, and users with low sesame credit cannot enjoy this function.