Baitiao can be repaid in one go after installments. If the user wants to repay it, he can use iPhone13iOS 15 to open JD Finance 6.2.80, log in to the JD Finance APP, find Baitiao and enter, and then he will There is a "pay off in advance" button below the installment bill. Click on it and you will see the amount to be repaid. Just settle it all.
Note that in terms of fees, if the user pays off all the installments in advance, he or she needs to pay the remaining unpaid principal of the installment, the bill that has been issued, the next month’s installment service fee, and the installment early settlement service fee. If the user's order uses the full principal reduction discount after installment, then the early settlement will require the normal installment service fee.
Take bill installment as an example. The installment service fee rate for Baitiao bill installment is 0.05 per month, which is subject to the bill display.
Repaying the one-time payment in advance will not have a negative impact on the user's credit, but it is temporarily not supported to modify the amount or invite others to help repay it, and if a refund occurs after the early repayment, it has already been repaid. Installment service fees will not be refunded.
The above is Xicaijun’s answer to “Can the JD Baitiao installment be paid off in one go?” In general, it is ok. Users only need to pay the corresponding service fees according to the bill display, and the operation is relatively simple. They can directly log in to the JD Finance APP.
JD Finance:
JD Finance is the personal financial business brand of JD Digital Technology Group and has become the personal financial decision-making platform chosen by many users. With platform, intelligence, and content as its core capabilities, JD Finance works with nearly a thousand financial institutions such as banks, insurance companies, and fund companies to provide users with professional and safe personal financial services.
JD Finance has launched nearly 10,000 financial products including white bars, funds, bank financial management, small vaults, gold bars, co-branded small white cards, small gold cards, etc., covering financial management, lending, and insurance, with four installments. Big business sector.
Development history:
In February 2014, the first domestic Internet credit payment product "Baidiao" was launched and quickly became a target product for the industry to imitate.
In March 2014, the wealth management business with "Little Treasury" as the representative product was launched, providing users with reliable one-stop innovative financial services.
In March 2014, JD.com Pay was launched to fully meet users’ diversified online and offline payment needs.
In July 2014, JD Financial App was launched. Positioning itself as a financial decision-making service platform, providing users with products and services such as financial management, lending, insurance, and installment purchases.
In March 2015, JD.com launched the JD Maker Ecosystem to provide one-stop support services for entrepreneurial and innovative companies.
In May 2015, JD.com’s financial and insurance platform was launched. Based on its insurance brokerage license and digital technology capabilities, it provides the insurance industry with digital services such as customer acquisition, precision marketing, product innovation, and risk pricing.
In August 2015, it collaborated with CITIC Bank to release the first domestic “Internet” credit card - Xiaobai Card.
In October 2015, China’s first Internet consumer finance ABS was issued on the Shenzhen Stock Exchange.
In September 2016, "Baidiao QuickPass" was officially launched. Based on UnionPay Cloud QuickPass technology, it can be used on nearly 20 million UnionPay QuickPass POS machines across the country, covering more than 8 million households. Merchant.
In January 2017, it reached a strategic cooperation with China UnionPay, the world's leading bank card organization. The two parties announced that they would cooperate in payment product innovation, co-branded cards and other aspects, and would jointly explore the Cooperation opportunities in big data services, international business and other fields.
In February 2017, at the JD Group’s annual meeting, JD Group CEO Liu Qiangdong announced JD’s strategy for the next 12 years. In the field of financial business, Liu Qiangdong said that in the future, JD Finance will enter securities, credit reporting, and banking, and will apply for its own bank or hold a controlling stake in a bank. Judging from the goals for 2017, the payment sector is already making progress.
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In March 2017, Wanglian Clearing Co., Ltd. launched a trial operation, and JD Digital’s online banking was among the first batch of third-party payment institutions to access it. ?
In June 2017, it reached a comprehensive cooperative relationship with the Industrial and Commercial Bank of China. The two parties announced that they would expand in the fields of financial technology, retail banking, consumer finance, corporate credit, campus ecology, asset management, and personal joint accounts. Comprehensive and in-depth cooperation. ?
In July 2017, based on the cooperation with UnionPay's "Cloud Quick Pass", JD Pay launched an innovative NFC product - JD Quick Pass. ?
In August 2017, United Industrial Bank launched China's first debit card with "Internet genes" - Xiaojin Card, providing cardholders with integrated financial services such as savings, financial management, and consumption. .
In February 2018, JD Finance established the Urban Computing Division.
In April 2018, Xiongan Haiyi Tongzhan Information Technology Co., Ltd., a subsidiary of JD Finance, and the Industrial and Commercial Bank of China Hebei Xiongan Branch*** signed a strategic cooperation agreement.
On July 12, 2018, JD Finance announced that it had recently signed a binding capital increase agreement plan with investors such as CICC Capital, Bank of China Investment, CITIC Construction Investment and CITIC Capital, with a financing amount of approximately 130 million 100 million yuan, with a post-money valuation of approximately 133 billion yuan. Subject to customary closing conditions, this round of financing is expected to be completed in the third quarter of 2018.
In July 2018, JD Finance officially entered the robot industry and released its first intelligent robot product - JD Intelligent Inspection Robot. On November 20, 2018, the JD Financial brand was upgraded to JD Digital Technology. JD Digital Technology has become the parent brand of the entire company, and JD Finance is a sub-brand of JD Digital Technology Group. In June 2018, the big data risk control technology case was selected into the World Bank's 2019 World Development Report. In August 2018, the first Internet consumer finance ABN Bond Connect was issued, introducing international investors for the first time, and received an "A" rating from Fitch, one of the three major international rating agencies. ?
In September 2019, the Thai financial technology subsidiary jointly established by Thailand Central Group officially launched the e-wallet Dolfin, which is the first in Thailand to support the full process of eKYC (electronic Know-Your-Customer) Electronic wallet.
In February 2020, the self-developed multi-modal face liveness detection algorithm officially passed the technical certification of the National Financial IC Card Security Testing Center-Bank Card Testing Center (BCTC), reaching the nationally certified financial payment level. safety standards. After testing by BCTC, the self-developed multi-modal face liveness detection algorithm achieved a real-person recognition accuracy rate of 99.8%.
On June 18, 2020, JD Financial App specially set up a full interest-free venue with up to 24 installments.
On January 7, 2022, the digital renminbi acceptance function has been integrated into both online and offline scenarios of JD Finance App.