2. Enter the order settlement page, and you can choose the payment method of "installment payment";
3. Here, you can choose the delivery method, use the balance, coupon and JD.COM card and submit the order;
4. When submitting an order, you can select a bank and the number of installments, and then jump to the bank for installment payment after confirming the payment. The specific handling fee will be paid according to the regulations of the bank where your credit card is opened.
Payment amount = total order amount+installment fee, where the total order amount is the order amount, and the fee is budgeted by JD.COM according to the bank interest rate.
Extended data:
JD.COM credit card installment payment will also charge a handling fee, and the specific provisions shall be subject to the standards of the issuing bank. For example, the number of periods of China Merchants Bank is 3, 6 and 12, and the corresponding handling fees are 1%, 0.7% and 0.5% respectively. Handling fee per period = amount per period * corresponding rate.
JD.COM credit card installment special tips:
1. Before installment payment, the total amount of products you want to buy must not exceed the available credit cards.
2. Any information in the installment order cannot be modified. If you want to modify it, you can only cancel the order and place a new order. Please understand the inconvenience caused by us.
3. Installment orders cannot be merged and modified. Please forgive the inconvenience.
4. When the total amount purchased cannot be divided by the number of installments, the system will automatically round off and split the amount. For example, if you spend 3022 yuan, choose six installments. The monthly repayment for the first five installments is 503.67 yuan, and only 503.65 yuan is needed for the final installment/kloc-0. The total repayment amount remains unchanged at 3022 yuan.
5. You can also participate in the permanent points program by online installment, and accumulate credit card points month by month according to the amount recorded by monthly installment.
6. Online installment payment of China Merchants Bank's credit card occupies your credit line with the total installment amount. Therefore, you need to deduct the total installment amount from your available credit line. With the monthly installment payment, your available quota will gradually recover.
7. You can apply to cancel the order by phone or leave a message in the complaint center. When you apply for a refund, JD.COM will not deduct your handling fee; Part of the refund fee will be refunded according to the refund rate.
For example, if the order amount is 1.200 yuan, choose 1.2 to pay in installments with the rate of 0.5% and the repayment amount of each installment is 1.5 yuan. The relevant refund instructions are: for full refund, JD.COM will refund the user 1.200 yuan, and the bank will refund all the deducted handling fees; For partial returns, such as returning to 400 yuan and JD.COM to 400 yuan, the bank will refund 400/1200 * 0.5% *12 = 0.02 yuan.
8. At present, JD.COM installment orders only support ordinary express delivery.