JD.COM Mall is only applicable to installment payment with white stripes, and credit card installment payment is not supported. When JD.COM borrows an installment payment, JD.COM will deduct a certain handling fee from the user. JD.COM IOU is a brand-new payment method of "consumption first, payment later" introduced by JD.COM.
Users can enjoy a deferred payment period of up to 30 days or a payment by installments of up to 24 days if they pay in white stripes.
Description of white stripes in JD.COM
1, JD.COM White Strips is a commodity under Jingdong Financial Group, and Ant Flower Buds belong to Ant Financial Group.
2. The maximum of white stripes is 15000, while the maximum of flowers can reach 50000.
3. The billing date of the IOUs is different, and the repayment date is the billing date plus 9 days; In Bai Hua, the bookkeeping date is usually 1 every month, and the repayment date is usually 8, 9 and 10.
4. Some consumers' IOUs have cash withdrawal function, and IOUs can be used for cash withdrawal; Flowers can't be withdrawn. If you want to get the quota, it's cash, which is illegal.
5. If payment is to be made by installments, users of the white order system can be divided into three periods, six periods, 12 and 24 periods, and customers of the order system can be divided into three periods, six periods, 12, 24 periods and 36 periods; As for flower bud, it can be divided into three stages, six stages and 12 stages.
6. If the merchant does not support IOUs payment, users generally cannot pay IOUs transactions. However, even if the merchant does not open the flower bud collection function, as long as the amount of information per order is within 150 RMB (inclusive), users can use the flower bud to spend in person and still pay with the flower bud quota.