The benefits of activating white bars in JD.COM are as follows:
1. Accumulate personal credit. After the IOUs are put into use in JD.COM, if people can use them in strict accordance with the provisions of the contract, they will leave a good loan record on the credit information of the central bank. In the future, everyone can enjoy more financial services with good loan records.
2. Conduct wealth management. Sometimes, shopping with JD.COM white stripes can be free of interest. Everyone can use the saved cash to buy wealth management products and earn the expected income for themselves.
3. Improve your life. JD.COM IOUs support shopping first and then paying. After activating JD.COM White Bar, if it can be used reasonably, you can enjoy quality life in advance.
Disadvantages of activating white bars in JD.COM are:
1, increase liabilities. After the introduction of white stripes in JD.COM, if people shop with white stripes, they will be in debt. You need to repay on time every month in the future. If everyone's debt is heavy, it will affect the mortgage and car loan from the bank in the future.
2. There is a risk of overdue. It is ok to activate white stripes in JD.COM. If used, there is a risk of overdue. After all, JD.COM IOUs have a fixed repayment date. Once everyone fails to repay on time, it will produce a record of non-performing loans and leave a stain on the credit information.
At present, IOUs can be used in many fields of JD.COM system, such as global purchase, product crowdfunding, renting, tourism, decoration and other fields. In addition to staging, some users also support cash withdrawal, which is very convenient to use. If you want to write an IOU, the system will judge the user's qualification according to the user's shopping habits, credit status, stability of the receiving address and other factors.
If you often shop in JD.COM and are used to spending in advance, you are welcome to enjoy first and then pay, and the economy is relatively tight, then you can choose to open JD.COM White Bar, which is more convenient for shopping in JD.COM.
If people are not very short of money, rarely spend money on it, and pay great attention to maintaining their own credit information, then it is not recommended to open it. After all, IOUs will be displayed on credit information in the form of small loans. In fact, whether JD.COM white bars are worth it depends on whether you have this demand.
Is there any harm in opening JD.COM white stripes?
Disadvantages of activating white bars in JD.COM are:
1, increase liabilities
After the introduction of white stripes in JD.COM, if people shop with white stripes, they will be in debt. You need to repay on time every month in the future. If everyone's debt is heavy, it will affect the mortgage and car loan from the bank in the future.
2. There is a risk of overdue.
It is ok to activate white stripes in JD.COM. If used, there is a risk of overdue. After all, JD.COM IOUs have a fixed repayment date. Once everyone fails to repay on time, it will produce a record of non-performing loans and leave a stain on the credit information.
3. Excessive consumption
After the activation of JD.COM IOUs, many people will blindly spend money, causing themselves a heavy repayment burden. In addition, the use of JD.COM IOUs sometimes generates certain interest.
“JD。 COM White Strip is the first Internet credit payment product in the industry, which allows users to enjoy the consumption experience of "consumption first, payment later, real-time approval, and arbitrary installment", and has quickly become an industry model, laying the position of the leading brand of Jingdong Financial Consumer Finance Industry.
In positioning, "JD. COM White Strip is a credit payment service for users with high credit rating and consumer demand through the credit evaluation of big data. Users can enjoy the service of paying first and shopping in installments in JD.COM Mall, with a maximum of 24 installments. Bills can also be repaid in installments, with the lowest repayment rate and lower execution rate than bank credit cards. Jingdong Finance Consumer Finance has opened more than 1 100 million users.
Since then, "Baitiao" has also opened up O2O(JD.COM arrives at 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 house purchase service to providing credit consumption loans, covering more consumption scenarios and providing credit consumption services for more consumers.
JD.COM Baitiao's service scene has gradually expanded, with nearly 10 million online and offline merchants, covering life and entertainment, business travel, education and training, communication, leasing and other industries. Cooperate with the bank to co-sign the electronic account "White Strip Flash Payment", expand the white strip payment to offline through NFC technology, and further broaden the use scenarios of white strip payment by binding WeChat payment.
As the first Internet consumer finance product in the industry, "White Strip" was initially only provided for users to shop in JD.COM Mall. In fact, it relies on JD.COM Mall to provide users with credit purchase services. In April of 20 15, "Baitiao" opened up O2O(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, etc., extending from credit house purchase service to providing credit loans, covering more consumption scenarios and providing services for more consumers.
2065438+In March 2006, JD Finance launched the first cash loan product-JD.COM Gold Bar, which tailored the cash loan service for IOUs with good credit. It is an extension of IOUs credit in the cash consumption scenario.
JD.COM Gold Bar adopts differentiated credit granting and interest rate pricing, and provides cash loan service with the maximum credit line of 200,000 yuan and the longest installment 12 months, with daily interest, with the daily interest rate not exceeding 0.05%.
On August 20 16, the white stripes were merged into jingdong wallet. As an important channel entrance of Jingdong wallet, white stripes have moved from online to more mobile scenes, such as sogou, Lufthansa Mall and Jingkelong Supermarket.
In addition, Baitiao also cooperated with China CITIC Bank and China Everbright Bank to launch joint credit cards, also known as "small white cards". This is a "internet plus" credit card, which is sought after by young people born in 1990s. It is also the first credit card for many young people. This card further embodies the role of IOUs as credit connectors between the Internet and banks, online and offline, and enjoys the combined rights and interests of banks and the Internet.
What are the consequences of JD? COM's white stripes?
There won't be any consequences if you write a white note. If you don't spend it, there will be no cost and it won't affect your account. “JD。 COM White Strip is an Internet consumer financial product, which refers to a brand-new payment method of "consumption first, payment later" introduced by JD.COM. You can enjoy the longest 30-day deferred payment period or the longest 24-installment payment method by using white bars to pay on JD.COM website, which is the first Internet consumer financial product in the industry.
JD.COM Baitiao is a credit payment product of "consumption first, payment later" launched by Jingdong Finance. It is mainly used for scene consumption such as JD.COM Mall, and some users can withdraw cash.
At present, JD.COM White Bar Service is open to all Jingdong members. Chinese mainland residents aged between 18-55 can try to apply for JD.COM IOUs on Jingdong Financial App, and they can enjoy JD.COM IOUs service after the application is passed. At present, only one small white account can be activated with the same ID card and mobile phone number. If conditions permit, you can try to activate JD.COM White Bar. After the activation is successful, you can make a white note.
The method of activating ordinary white bars is as follows:
The activation of 1.JD.COM IOUs payment has no influence and will not cause any consequences. However, if the IOUs payment is not used for a long time after activation, the IOUs quota will be reduced.
2. The system will think that after the IOUs in JD.COM are activated, there is little demand for users to borrow money, so the IOUs will be reduced, and even if they are not used for a long time, the amount will be recovered by the system.
3. White note payment is only a payment function, and it will not have any influence after activation. However, if you don't use IOUs frequently, it is not recommended to activate, because IOUs cannot be cancelled after activation.
JD.COM IOU is quite safe. As long as you keep your password safe and prevent it from leaking, you won't reveal your personal information, and there is no unexpected interest, so it is relatively safe.
With the development of Internet, major shopping websites are also very popular, such as JD.COM, Taobao and Tmall, which are also the three giants in China. In order to provide better service, all major platforms have begun to pay IOUs, that is, spending first and then paying.
After users apply for JD.COM White Stripes, post-JD.COM Typhoon Control System will "identify" users according to their shopping habits, credit status, stability of delivery address, etc. Combined with various factors and data, and then quickly give the evaluation result of whether the White Stripes can be activated, and only those who have obtained the application qualification can successfully open them.
Credit cards have advantages in interest-free period, installment payment and the number of optional periods. At the same time, at present, only 500,000 places are available for the first batch of public beta in JD.COM, so it is not easy to apply. In addition, the credit line is only used in JD.COM Mall, so it is difficult to impact the ordinary credit card business of banks.
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What are the advantages and disadvantages of writing a white note in JD.COM?
The advantages and disadvantages of opening JD.COM White Strip are:
First, the benefits:
As a credit payment tool, JD.COM IOUs allow customers to enjoy the shopping experience of "consume first, then pay" to meet their consumption needs. And you can enjoy an interest-free period of 10 to 40 days, which can be divided into 24 installments at the longest.
Second, the shortcomings:
1. It is precisely because JD.COM IOUs can make customers "spend in advance" that it is easy for some irrational customers to overspend. Because consumption is out of control, it is easy to exceed one's repayment ability. Once you spend too much, you can't afford it in the end, which will easily lead to overdue.
2. Once overdue, it will be reported to the central bank for credit reporting by the system, resulting in personal credit damage. At that time, not only the function of IOUs may be restricted (the system may reduce the quota or directly freeze the quota), but also the subsequent processing of new credit business will be blocked.
3. Customers are advised to consider their own economic situation and repayment ability before deciding whether to open JD.COM White Bank. After opening the JD.COM IOUs, they should also remember to spend well and repay on time to avoid overdue.
Extended data
1.JD.COM How long is the first phase of the white strip?
1, JD.COM baitiao Phase I is a natural month, and the longest month can be 3 1 day. In this way, the longest baitiao Phase I can be 3 1 day. However, JD.COM IOUs can be divided into three periods, six periods, 12 periods and 24 periods. In other words, JD.COM IOUs can be repaid in installments within 3 to 24 months.
2. There will be a certain handling fee for the three to twenty-four issues. However, the handling fee rate of JD.COM IOUs for each period is basically between 0.5%- 1.2%, and the handling fee for each period is charged together with the current principal.
3. In addition to repayment by installments, JD.COM IOUs can also enjoy a deferred repayment period of up to 30 days, during which no interest rate will be generated.
4. After choosing the installment, you must remember to repay the loan on time, so as to avoid penalty interest due to overdue conditions and affect your credit.