In JD.COM, IOUs can apply without a credit card (debit card), because what needs to be bound is a bank card. Credit card (debit card) is a kind of bank card, so you can bind a savings card.
you can also run activation through online banking wallet, and fill in your name, ID number, etc. in the activation service of JD.COM IOUs.
you can also follow the wechat WeChat official account "JD.COM White Strip" and open it according to the reminding requirements. Do I have to use a credit card for IOUs in JD.COM? Only the savings card
A credit card is not necessary for JD.COM White Slip, and a savings card or a credit card can be bound.
The application conditions for JD.COM IOUs are as follows:
1. Real-name authentication users in JD.COM, Chinese mainland residents aged between 18 and 6.
2. The account number is comprehensively evaluated by the system, mainly based on the number of transactions and the number of goods purchased by the user.
3. bank cards are bound, but only some savings cards and credit cards of some banks can be supported.
JD.COM IOUs only require the binding of bank cards, which can be divided into savings cards and credit cards, but there is no restriction that they must be bound with credit cards, so it is also possible to bind savings cards.
As long as you fill in the name, ID number and common address in the online banking wallet and bind the real-name authentication of the bank card, you can activate the IOUs in JD.COM IOUs activation service. This bank card can be a savings card or a credit card.
Extended information
JD.COM White Bar is a brand-new payment method of "consumption first, payment later" introduced by JD.COM. You can enjoy a deferred payment period of up to 3 days or a payment by installments of up to 24 installments by using white bars on JD.COM website, which is the first Internet consumer finance product in the industry.
JD.COM Baitiao has also opened up O2O (from JD.COM to Home), global purchase and product crowdfunding within the JD.COM system, and then gradually covered the fields of renting, tourism, decoration, education, wedding and so on, extending from credit purchase service to providing credit consumption loans, covering more consumption scenarios and providing credit consumption services for more consumers.
The repayment form of JD.COM IOUs is as follows:
If not in installments, JD.COM IOUs can postpone payment after 3 days, and no rate will be generated. Staging service can be divided into 3, 6, 12 and 24 phases. The rate standard is .5%-1.2%, and the penalty rate is .5%/ day.
repayment can be made through the PC and client of mobile phone jingdong finance, jingdong wallet client and baitiao official website. Can I use JD.COM white stripes without a credit card?
You can use JD.COM White Slip without a credit card.
JD.COM White Bar is the first Internet consumer financial product in the industry. "Pay first, then pay", enjoy a maximum interest-free period of 3 days and a maximum of 24 installments. Log in to baitiao official website or Jingdong Financial APP- Baitiao, and you can enter the page to apply for activation independently. Users of JD.COM Mall are eligible to activate the "white note" for mall consumption.
According to the person in charge of risk control of Jingdong Finance Consumer Finance Division, there is no credit for consumer finance business that needs manual approval, and users are identified through the risk control big data model. The post-typhoon control system will "identify" users according to shopping habits, credit status, stability of receiving address, etc., combined with various factors and data, and then quickly give the evaluation result of whether the "white strip" can be activated.
Extended information:
JD.COM IOUs were banned by credit cards and accused of "repaying credit with credit":
According to the regulations of the regulatory authorities, the overdraft of personal credit cards of commercial banks (excluding Huinong credit cards serving "agriculture, rural areas and farmers") should be used in consumption areas, and not in non-consumption areas such as production, operation and investment. Customers can't use credit card overdraft to recharge their payment accounts. Some insiders said that the practices of China Merchants Bank and Bank of Communications are understandable.
JD.COM IOUs can provide customers with two different consumer payment methods, i.e. deferred payment for up to 3 days or installment payment for 3-24 months, and a certain credit line. The function of the products is very similar to that of credit cards, so they can be regarded as credit products. If the customer chooses to use a bank credit card to repay the loan, it belongs to the behavior of "repaying the loan with a loan" and there is compliance risk.
The person also pointed out that the ant "Huabai", which is similar in nature to JD.COM's white bars, can't use credit cards to repay the bills, and only supports automatic deduction for quick payment from the user's balance, balance treasure and debit card. Compared with credit card repayment, this practice is more secure. It is worth noting that experts also have different perspectives on the storm caused by the repayment of IOUs.
Some people think that we should face up to the risk of credit card repayment to IOUs. Dong Ximiao, a visiting researcher at Chongyang Financial Research Institute of Renmin University of China, said that although Jingdong Finance indicated that IOUs were products purchased on credit, in terms of actual functions, the characteristics of credit granting, overdraft, repayment and installment can be identified as products like loans or credit cards.
credit rating itself is the threshold to realize early consumption, so there are risks in repaying by credit card. Liu Yinping, a financial analyst at Rong36, pointed out that it is an act of "repaying credit with credit" if you delay payment with JD.COM IOUs, which is indeed illegal. Although it has not been explicitly prohibited by the regulatory authorities, it is wandering in a gray area.