Can JD Baitiao be repaid with a credit card?
Baidiao has gradually shut down the credit card payment function. Currently, Baitiao does not support the use of credit cards for repayment. Please choose debit card payment.
After making an IOU on JD.com, there are two repayment methods: manual repayment and automatic repayment. The specific steps are as follows:
1. Automatic repayment:
Order After Baitiao turns on the automatic repayment service, the system will automatically deduct the payment one day before the final repayment date of each order. After the automatic repayment service is enabled on the billing note, the system will automatically deduct the amount from the bill issued and pending repayment on the day before the repayment date. The automatic repayment paths set by the order system and the bill system are the same.
1. Computer: My Assets - My Baitiao - Activate Automatic Repayment
2. Mobile: Baitiao - Baitiao Amount - Settings - Automatic Repayment
2. Manual repayment
1. Manual repayment based on billing instructions, including three repayment methods: "repayment on bills issued", "repayment on bills not issued" and "pay off in full" , both the computer side and the APP side support repayment operations.
①. Repayment of bills issued
Computer operation path: JD Finance homepage - My assets - My IOU - Bills issued - Repay immediately
JD Finance APP operation path: JD Finance APP home page - Bai Tiao - Bai Tiao available quota - X monthly bills - one-time repayment
②, repayment of outstanding bills
Computer operation Path: JD Finance Home Page - My Assets - My Bai Tiao - Unpaid Bills - Early Repayment
JD Finance APP Operation Path: JD Finance App Home Page - Bai Tiao - Bai Tiao Available Amount - All Pending - Unpaid Pay off the account - pay off in advance (click on partial repayment to manually enter the repayment amount, the partial repayment amount cannot be less than 10 yuan)
③. Pay off all
Computer operation path : JD Finance Home Page - My Assets - My Bai Tiao - Unpaid Bills - Pay Off All
JD Finance APP Operation Path: JD Finance App Home Page - Bai Tiao - Bai Tiao Available Amount - All Pending - One Time Repayment (Click on Partial Repayment to manually enter the repayment amount, and the partial repayment amount cannot be less than 10 yuan)
2. Manual repayment by making an order note, you can choose to repay a single order separately, or you can repay multiple orders Consolidate repayment for all orders.
①. Consolidated repayment on the computer: My assets - My IOU - Repayment pending in the past 7 days
②. Single order repayment on the computer: My assets - My Baitiao - Pending repayment, select the order repayment that needs to be repaid
③. Mobile repayment: JD Finance APP - Baitiao - Pending repayment in the past seven days/Pending repayment this month - All pending repayment , you can choose to pay multiple orders together or pay them individually.
Why does JD Baitiao not support credit card repayment? This reason surprised me...
In the past, many guides on the Internet said that Jingdong Baitiao can enjoy an interest-free period of more than 2 months when used with a credit card. The reason is that after using Baitiao to make purchases, you can then use the credit card to bill daily. Come and pay me back. However, this method does not work now because JD.com has closed the credit card repayment service. So, why doesn’t JD Baitiao support credit card repayment?
This is how I understand this:
1. Credit cards compete with JD Baitiao
JD Baitiao is similar to credit cards in that they are both overdrafts As for consumer services, it used to support credit cards and IOUs. The main reason was that JD.com Finance cooperated with banks. But the bank may not be happy with it. After all, only by swiping a credit card can you get a profit, and using a credit card to pay back the credit card will make less profit, and it feels like making a wedding dress for others.
So Jingdong Baitiao made an announcement to integrate product services, so it closed the function of credit card repayment of Baitiao. In addition, Jingdong Baitiao has upgraded all order systems to billing systems. Now it is no longer possible to support credit cards to repay Baitiao. You must use a savings card or money from a small vault to repay Baitiao.
2. Paying back the IOU with a credit card is a transfer of risk
JD.com’s IOU is actually a consumer loan product, and a credit card is also a small loan product, so using a credit card to repay the IOU is a form of loan. The bank will definitely not be happy with the act of repaying the loan and transferring the risk of default on the IOU to the bank, which is also not allowed by the regulatory authorities. Therefore, in order to avoid risks, JD Finance was forced to turn off the credit card repayment function under pressure.
The above is the relevant introduction to "Why Jingdong Baitiao does not support credit card repayment". No matter what the reason is, it is an ironclad fact that the credit card cannot repay the JD.com IOU. There is no need to dwell on the reason. After all, the fact has been established and cannot be changed.
Can I repay Jingdong Baitiao with a credit card?
Credit cards cannot be used to pay Jingdong Baitiao.
No, Baitiao Huabei and others cannot use credit cards to repay. You can only use debit cards to repay. Jingdong Baitiao’s repayment using a credit card is not considered a credit card transfer. Follow the steps below. After entering the Jingdong website, And log in to JD.com.
Can JD Baitiao be repaid with a credit card? What is the repayment path?
JD Baitiao is a payment method that allows you to consume first and repay later. However, if you do not repay on time, Not only will there be penalties, but you will also be held accountable. So, can JD Baitiao be repaid with a credit card? If so, what is the repayment path?
Can JD Baitiao be repaid with a credit card?
When applying for JD Baitiao, you must bind a credit card or debit card. This is not for payment, but for repayment services. . However, JD Baitiao has gradually closed down the repayment function for JD Baitiao using credit cards.
How to repay Jingdong Baitiao?
1. After logging in to JD.com, click My JD.com, select JD Baitiao in the left navigation bar, and enter the Baitiao query page;
2. Click the button in the red box on the page to merge Payment;
3. Select all or part of the order to pay, or pay for a certain period in the bill details;
4. After clicking the Pay Now button, the page jumps to JD.com At the financial cashier, select a savings card to complete the repayment operation.
The above is a compilation of all the content about Jingdong Baitiao’s credit card repayment for your reference.
You can apply for various credit cards quickly and safely.
Can I repay Jingdong Baitiao with a credit card?
Yes, but Jingdong Baitiao cannot be repaid with a credit card. It consumes first and then repays. It is used to allow users to make overdraft consumption. In a certain sense Technically speaking, Jingdong Baitiao is a virtual credit card, so it cannot be used to pay off the credit card.
1. Swiping your card on a POS machine is the most common way to use a credit card, and it is a way of swiping your card online. When swiping a card, the operator should first check the credit card's validity period and cardholder's last name and other information. Then, select the corresponding POS machine according to the card issuing bank and the currency type to be paid, and slide the magnetic stripe of the magnetic stripe credit card on the POS machine, or insert the chip credit card into the card slot, connect to the bank, etc. for payment, and enter the corresponding amount. After the remote payment accepts the information, the POS will print out a receipt for the card payment (at least two copies). The cardholder should sign the receipt after checking that the information on the payment receipt is correct. After the operator checks the signature on the receipt and the signature on the back of the credit card (including that the name completely matches and the handwriting basically matches), the operator gives the credit card and a copy of the card payment receipt to the cardholder. At this point, the card swiping procedure on the POS machine is completed.
2. Slapping the card on the RFID machine is a new type of credit card usage, and it is also a networking method. When tapping a card, the operator should first check the credit card's validity period and cardholder's last name and other information. Then, select the corresponding card machine according to the card issuing bank and the currency type to be paid, enter the corresponding amount, and place the credit card flatly no more than 10cm above the sensor.
The RFID machine will emit a signal after sensing the credit card, and then continue the operation process. After the remote payment accepts the information, the printer (if connected) will print out a receipt for tap-card payment, but unlike the previous method, the cardholder does not need to sign. For example The previous method is faster and more convenient. At this point, the card sensing program on the RFID machine is completed.
3. Manual order pressing is usually used when there is no POS machine or the Internet is not available. The order pressing operation must have a pressure-sensitive copy of the "direct purchase order" (at least two copies) and a telephone number. The inspection work before pressing the order is the same as that of POS machine. Then, the operator uses the credit card pressing device to print the name and name raised on the credit card onto the purchase form, and writes the amount, date and other information, and then calls the acquiring bank's authorization hotline to report the card information and apply for authorization. And write the authorization code obtained on the purchase form, and then the cardholder signs it after confirming it is correct. After the operator checks the signature, he hands the credit card and purchase order copy to the cardholder. At this point, the manual order pressing process is completed. Authorization calls are usually made immediately. In some areas with poor communication or good credit ethics, merchants may encounter situations where the merchant will deliver the goods to complete the transaction after pressing the customer's signature. The authorization will be completed in the future, but the merchant is at risk of encountering the credit card (if the customer pays with an invalid card, it will not be discovered immediately without applying for an authorization code immediately).
Why can’t JD Baitiao be repaid with a credit card?
Because not all banks’ credit cards can now repay Jingdong Baitiao.
The main content of "Jingdong Baitiao" is that consumers can apply for a personal loan payment of up to 15,000 yuan when shopping on Jingdong, and repay it in installments within 3 to 24 months. It is a consumer finance business for individual consumers, based on the credit system of JD members. When users consume on JD.com, they enjoy the credit purchase service of “consume first, pay later”.
Currently, credit cards from mainstream domestic banks such as Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, and China Construction Bank can be used to repay Baitiao.
However, in November 2015, China Merchants Bank and Bank of Communications successively suspended JD Baitiao’s credit card repayment channels. Controversy arose over the true identity of Bai Tiao. This product was characterized by JD Finance as a credit purchase, but was regarded as a loan product by commercial banks and the industry, and was suspected of violating regulations.
In May 2016, JD Finance’s official website announced that before May 31, JD Baitiao will suspend credit card payment Baitiao services except for China CITIC Bank and China Everbright Bank.
Therefore, JD users should go to JD’s official website in a timely manner to learn about “JD Baitiao” information.
This is the end of the introduction about credit card repayment of Jingdong Baitiao and whether there is interest in credit card repayment of Jingdong Baitiao. I wonder if you found the information you need?