1. Aged between 18 and 55 years old;

2. Must be a member of JD.com and a resident of mainland China;

3. The account has been Complete the real-name authentication and the status is normal and have not been appealed;

4. Good personal credit (novice credit score must reach 80 or above);

5. The same ID card , The same mobile phone number can currently only activate one Baitiao account.

Secondly, due to the need for student authentication, the user must be a current college student (Jingdong campus IQ is only valid for current students, graduated college students are not within the open scope), personal identity information and Submit your student status information (both the front and back of the ID card and the inner page of the student ID must be photographed and uploaded, and the name of the school, location, academic qualifications, year of enrollment, etc. must be completed).

Campus Baitiao has an exclusive channel for students. After verifying your identity and submitting information, you can wait patiently for system review. As long as your credit is good, it can usually be opened smoothly.

JD Baitiao is the industry's first Internet credit payment product launched by JD.com. It is a credit payment service that uses big data to conduct credit assessment and provides users with high credit ratings and consumer needs.

Providing a consumption experience of "consume first, pay later, real-time approval, and installment as you wish" has established JD Finance's position as a leading brand in the consumer finance industry.

JD Baitiao allows users to enjoy use-now-pay-later and installment shopping services in JD.com. The installments can be up to 24 installments. The execution interest rate is lower than that of bank credit cards, opening up the O2O (JD.com) system within the JD.com system. ), global shopping, product crowdfunding, and later gradually covered rental, travel, decoration, education, wedding and other fields, providing credit consumption services to more consumers.

Application Requirements

JJD Baitiao Dongbaitiao is the first Internet consumer financial product in the industry. "Consume now, pay later", enjoy an interest-free period of up to 30 days and installment payment of up to 24 installments. Log in to the official website, or JD Finance APP-Baidiao, and you can enter the page to apply for activation independently. Users of Jingdong Mall are eligible to activate "Baidiao" for shopping in the mall.

The person in charge of risk control of JD Finance’s consumer finance division revealed that no credit extension in the consumer finance business requires manual approval, and users are all identified through the risk control big data model.

The back-end risk control system will "identify" the user based on shopping habits, credit status, stability of the delivery address, etc., combined with a variety of factors and data, and then quickly give an answer as to whether the "white ticket" can be activated. Assessment results.

The evaluation basis of the big data model is the accumulation of user data, and the data needs to be dynamically updated in real time. Therefore, as big data modeling becomes more accurate, the probability of user "baitiao" activation will also increase. JD Consumer Finance has completed credit scoring for nearly 200 million users.

As for the issue of IOU quota increase, you can receive the IOU quota increase package regularly, and there are also irregular IIT quota increase activities. If you maintain a good consumption and repayment record, you can also get rewards for increasing your balance.