Can I use a credit card for online purchases on Jingdong?

Yes, Jingdong payment: credit card repayments can be made across banks and regions without any handling fees.

The difference between Jingdong Baitiao and credit cards:

1. Different overdue penalty interest charging standards:

In the case of overdue repayment of credit cards, even if it is The cardholder will also need to pay the penalty interest amount for the full amount of the outstanding amount if the cardholder repays part of the outstanding amount. If the loan is repaid in advance, a penalty of 50,000% will be paid per day; as long as the Jingdong Baitiao exceeds the final regulations On the repayment date, liquidated damages will be charged at a standard of three ten thousandths per day. It should be noted here that Jingdong Baitiao does not charge full penalty interest.

2. Installment fees are different:

The handling fee for each installment of JD Baitiao is 0.5%. During the period of using Baitiao, users can also enjoy a handling fee of 0.3% during the promotion period when consuming on JD.com. % discount; for credit card installments, the handling fees of most banks are generally between 0.6% and 1.5%.

3. Different interest-free periods:

Credit cards can provide cardholders with an interest-free period of up to 56 days, while JD Baitiao’s interest-free period is 30 days. However, if the user uses a credit card to repay the loan, he or she can enjoy an interest-free period of up to 86 days if the repayment skills are reasonable.

4. The application conditions are different:

Jingdong Baitiao has relatively loose requirements on the opening conditions. As long as the user spends more than 6 times on Jingdong and binds a credit card to Jingdong, it is sufficient. It can be opened; and applying for a credit card has very strict qualification requirements for the card applicant. It not only requires the card applicant to have the ability to repay, but also requires the applicant to have a good personal credit report. Relatively speaking, Baitiao will be more convenient in application. Simple.

5. The scope of use is different:

JD Baitiao can currently only be used on JD.com and does not support offline consumption; the scope of use of credit cards is very wide, not only offline You can also enjoy the benefits of online shopping when shopping.

Can I pay with a credit card (debit card) on JD.com?

For example, when shopping online on JD.com, you can switch the payment method to a credit card (debit card) when paying. Or if you choose to pay offline when purchasing items, you can also swipe the POS machine to complete the payment. In general, credit card (debit card) payment supports JD.com’s offline and online payments, and when the balance of the credit card (debit card) is insufficient, you can even choose to complete it in the form of Baitiao + credit card (debit card) Combo payments.

Combined payment is only applicable to online payment. Offline payment requires that the available balance of the credit card (credit card) is greater than or equal to the current payment amount.

Can I pay by credit card when shopping on JD.com?

Credit cards can be used in Jingdong Mall. The method is as follows:

1. First, open the Jingdong client on your mobile phone.

2. Then on the JD.com page, select the product you want to purchase and click "Go to Checkout".

3. Next, on the settlement page, after filling in your delivery information, click "Submit Order".

4. Next, on the settlement payment page, select "Other payment methods" pointed by the red arrow.

5. Next, you can choose credit card payment in the list, and finally enter your payment password to settle.

Can credit cards be swiped for cash on delivery on JD.com

According to JD.com’s official website, JD.com’s cash on delivery supports credit cards at POS machines. However, JD.com’s cash on delivery currently only supports UnionPay bank cards, so consumers can use UnionPay credit cards to pay JD.com’s cash on delivery. When using credit cards, cardholders need to pay attention to the following points:

(1) Have self-control when making purchases. Although credit cards have liberated consumers and brought them a free consumption experience, credit card consumption will bring serious consequences to those who do not have self-control or a clear understanding of their financial situation. , leaving them with debts that are difficult to repay.

(2) Carry out installment consumption carefully. Installment consumption converts huge consumption amounts into small monthly repayments, which greatly reduces consumers' psychological pressure. This can easily cause consumers to have the illusion that they can afford more debt and continue to consume, eventually causing consumers to fall into a debt crisis.

(3) Don’t tear down the east wall to make up for the west wall. Some consumers will use another bank's credit card to repay after making high-value purchases using their credit cards. Cardholders must avoid this repayment method of tearing down one thing to pay for the other. Because borrowing requires repayment of interest, if repayment is carried out in this way, the borrower's arrears will continue to rise, and the interest will also continue to increase. This results in the borrower having less and less available income, and eventually becoming unable to make ends meet.

That’s it for the introduction of whether JD.com supports credit card payment.