The application conditions for JD.COM IOUs are as follows:
1. Real-name authentication users in JD.COM, Chinese mainland residents aged between 18 and 6.
2. The account number is comprehensively evaluated by the system, mainly based on the number of transactions and the number of goods purchased by the user.
3. bank cards are bound, but only some savings cards and credit cards of some banks can be supported.
JD.COM IOUs only require the binding of bank cards, which can be divided into savings cards and credit cards, but there is no restriction that they must be bound with credit cards, so it is also possible to bind savings cards.
As long as you fill in the name, ID number and common address in the online banking wallet and bind the real-name authentication of the bank card, you can activate the IOUs in JD.COM IOUs activation service. This bank card can be a savings card or a credit card.
Extended information
JD.COM White Bar is a brand-new payment method of "consumption first, payment later" introduced by JD.COM. You can enjoy a deferred payment period of up to 3 days or a payment by installments of up to 24 installments by using white bars on JD.COM website, which is the first Internet consumer finance product in the industry.
JD.COM Baitiao has also opened up O2O (from JD.COM to Home), global purchase and product crowdfunding within the JD.COM system, and then gradually covered the fields of renting, tourism, decoration, education, wedding and so on, extending from credit purchase service to providing credit consumption loans, covering more consumption scenarios and providing credit consumption services for more consumers.
The repayment form of JD.COM IOUs is as follows:
If not in installments, JD.COM IOUs can postpone payment after 3 days, and no rate will be generated. Staging service can be divided into 3, 6, 12 and 24 phases. The rate standard is .5%-1.2%, and the penalty rate is .5%/ day.
repayment can be made through the PC and client of mobile phone jingdong finance, jingdong wallet client and baitiao official website.