I. Concept
The main content of JD.COM IOUs is that consumers can apply for a personal loan of up to RMB 6.5438+0.5 million when shopping in JD.COM, and repay the loan in installments within 3 to 24 months.
Credit card refers to a consumption tool issued by banks, which gives cardholders a certain credit limit, and cardholders can spend first and then repay within the credit limit.
Features: 1. The application scope is different. White cards can only be used in JD.COM Mall.
2. Interest-free is different. Because the white card is paid by installment, it needs to pay some interest.
3. The quota is different. The highest white card is only 1.5 million.
Classification:
First of all, steel _ has arrived now.
1.800 is 1 steel _
2.4 hours thousand yuan flight delay insurance
3. The first payment of any amount is free of annual fee.
4.9 integral privilege
Second, CITIC White Card Warm Heart Edition
1.800 is 1 steel _
2.4 hours thousand yuan flight delay insurance
3. The first payment of any amount is free of annual fee.
4.9 integral privilege
3. Everbright White Card (UnionPay)
1. 1000 points exchange 1 steel _
2. The first brush to send 50 steel _
3. Free white coupons when spending money.
4. Million Travel Accident Protection
Comment and analysis: These three cards belong to the same category, and they all have score advantages for steel. Points can be exchanged for steel _, and shopping can be directly deducted from cash. Citic's two cards can be exempted from the annual fee when they are swiped first, which is a good choice for those who want to avoid the annual fee. In addition, the first brush of Everbright White Card can directly send 50 pieces of steel, which is equivalent to 50 yuan. When shopping, it can be directly deducted. When Everbright is full, it can send white coupons, and when shopping with white bars, it can be fully reduced.
In this category, you can choose one of CITIC's two cards at random, and the points are relatively low, and the annual fee can be avoided by swiping any amount for the first time, while Everbright only earned the first swipe once, and later lost money when using the card.