1. Substantial difference: JD.COM White Bar is a payment tool issued by Jingdong Finance, which can be used first and then repaid. JD.COM Gold Bar is a cash product launched by Jingdong Finance for JD.COM White Bar users with good credit. Loan service products.
2. Different user groups: JD.COM White Bar is mainly aimed at JD.COM White Bar users with good credit; JD.COM gold bars are mainly aimed at high-quality customers among JD.COM white bars users with good credit.
3. Different usage scenarios: The main function of JD.COM IOUs is to consume in advance. When shopping in JD.COM Mall, users can use JD.COM white bars to pay, JD.COM white bars to pay in installments, and JD.COM white bars to pay in installments; The main function of JD.COM gold bars is cash lending. Users of JD.COM gold bars who need funds can apply for withdrawing the amount of JD.COM gold bars and withdraw the funds into their bank cards.
4. Different repayment methods: JD.COM IOUs are divided into two ways: monthly repayment and installment repayment. On the specified repayment date, the user needs to pay off in one lump sum or repay in installments; When you borrow gold bars in JD.COM, you can choose to repay them on a daily or monthly basis. On the specified repayment date, the user needs to pay off in one lump sum or in installments.