Take Jingdong version 10.3.0, Jingdong Finance version 6.2.80, Apple 13 (IOS15.2 system), Huawei mate40 (HarmonyOS2 system) as examples. Jingdong Gold Bar is a cash lending product with Baitiao Only users can apply, and the limit can be withdrawn, which can be used in any consumption scenario, and the limit is up to 200,000; Baitiao is a credit payment product. You consume first and pay later. It is similar to a credit card. It can only be used in JD.com and cannot be withdrawn. The limit is up to 1.5 Ten thousand.

The repayment methods of the two are also different. Baitiao can be repaid in installments, minimum repayment, full repayment, and early repayment, while gold bars can only be repaid in installments or early repayment.

The application threshold for JD gold bars is much higher than that for Baitiao. Generally speaking, it is not difficult for friends with good shopping records on JD.com to open JD.com Baitiao. However, JD Gold Bar has higher requirements on borrowers’ credit, income, consumption, liabilities, etc.

Another big difference between JD gold bars and white bars is the loan fees. Jingdong gold bars calculate loan interest on a daily basis. Interest is calculated from the date the funds are received, and the daily interest rate starts from 0.025. Jingdong Baitiao's loan fees are more complicated and related to the goods consumed. Some products require the borrower to pay a handling fee, while some products support interest-free IOUs.

Shit, why can’t I activate white bars, but gold bars can be activated?

Don’t tell me if you don’t understand, my white bar failed, but my gold bar passed 9200