JD.COM White Bar is a value-added service for members in JD.COM. This service can realize a brand-new payment method of "consumption first, payment later", with interest-free deferred payment for up to 3 days, and flexible installment service for 3, 6 and 12 periods. JD.COM IOUs are similar to credit cards, the essence of which is to pay with IOUs after shopping in JD.COM. The amount of IOUs is random, depending on your personal situation, and you can get up to 15, yuan. However, there are some differences between JD.COM white card and credit card.
1. One of the differences between JD.COM IOUs and credit cards: the amount is different. JD.COM White Strip: The amount of JD.COM White Strip is relatively low, with a maximum amount of 15, yuan; Credit card: Take the credit card of China Merchants Bank as an example. The credit card of China Merchants Bank is 3-1, yuan, the credit card is 1,-5, yuan, and the platinum card is more than 5, yuan.
2. The second difference between JD.COM IOUs and credit cards: different installment rates. JD.COM IOUs: The rate is .5% per month, and the corresponding rates for 3-month, 6-month and 12-month installment services are 1.5%, 3% and 6% respectively; Credit card: Take China Merchants Bank's credit card as an example. The corresponding rates are 2.7%, 4.5% and 7.92% for the three-month, six-month and 12-month packages.
3. The third difference between JD.COM IOUs and credit cards: the probability of getting off the card is different. JD.COM White Strip: Maybe you spend a lot on JD.COM, and you will not get stuck at random; Credit card: Generally speaking, as long as you provide complete information, good credit information and repayment ability, you will generally issue a card.
4. For example, suppose you want to buy a TV with a price of 1, yuan. First, check the bill of your credit card. Suppose the billing date is 2 days, the repayment date is 28 days, and the longest interest-free period is 56 days. Then, you can choose to buy TV on April 3 and pay with white bars. After the 3-day interest-free period of IOUs expires, the arrears need to be repaid before May 3rd. If you pay by credit card, the consumption on May 3rd will appear in the bill on June 28th. That is to say, from April 3rd to June 28th, consumers got an interest-free period of 86 days.