The minimum repayment amount of JD.COM IOUs will not be reported to the Credit Bureau, because the minimum repayment amount itself is a repayment method provided by JD.COM IOUs to customers with temporary repayment pressure. After the customer selects the minimum repayment amount, the platform will think that the customer has paid part of the bill, and the remaining unpaid part will generate interest according to the regulations, and will not be reported to the personal credit information system by the platform.
However, if customers use the minimum repayment amount for a long time, they will face the following problems:
1, the minimum repayment fee will increase the overall debt pressure.
2. Overreliance on the minimum repayment amount will increase the risk of overdue.
3. It will affect the evaluation of customers in the organization.
4. Stimulate customers to increase consumption.
Therefore, even if the minimum repayment amount will not be reported to the platform for credit information, customers should use it cautiously in peacetime and do not rely too much on the minimum repayment amount. When using the JD.COM IOU line, you can fully consider your own economic strength and apply for a loan reasonably within your income range.
Of course, if it is really difficult to pay the white bill, in order to avoid overdue, customers still choose the bill installment or the minimum repayment amount as soon as possible.
Can JD.COM IOU be used as the minimum repayment amount?
JD.COM IOUs can make the minimum repayment. JD.COM IOU can set the minimum repayment steps: 1. Click the loan on the homepage of Jingdong Finance.
2. Order mine again.
3. Then, click Automatic Repayment.
4. Click on the white bar.
5. Select the minimum repayment amount of the bill, and finally click OK.
The minimum repayment amount of IOUs in JD.COM will not affect the normal use of IOUs, but the unpaid IOUs will occupy the credit line. It should be noted that JD.COM IOUs cannot be overdue in the repayment process, because overdue repayment will result in penalty interest. The longer the time, the more penalty interest, and the heavier the burden of subsequent repayment.
When JD.COM's IOUs are overdue, the platform will collect them, and the platform will always urge users to return them. If the amount owed is large and the time is long, the platform may sue the user. In order to avoid this situation, users should think about their repayment plans in advance when using JD.COM IOUs in daily life.
JD.COM white stripes can be used in permitted scenes, such as Haydn Globe, some virtual goods and JD.COM. COM self-operated website (JD.COM Pharmacy is not supported for the time being) and some physical goods of third-party merchants, store 1, balance of pre-sold goods, crowdfunding in JD.COM. In addition, it also supports some external businesses. Specific to the actual payment of the optional situation shall prevail.
Version information: Take Jingdong Finance Version 6.3.30, Apple13 (iOS15.4.1system) and Huawei mate40(HarmonyOS2 system) as examples.
Does the minimum repayment amount of JD.COM IOUs affect the credibility?
JD.COM IOUs paid the minimum repayment amount on or before the repayment date, which is considered as normal repayment, not a breach of contract, and will not affect the personal credit of the borrower. However, if the minimum repayment amount is paid after the loan is overdue, the remaining money is still overdue, indicating that the borrower has broken his promise and needs to pay a certain overdue fee. After the overdue IOUs are overdue, the overdue debts need to be paid off in one lump sum, and the minimum repayment amount cannot be selected.
The minimum repayment amount of JD.COM IOUs includes: the minimum repayment amount outstanding in the previous period and the minimum repayment amount paid in the current period. In order to avoid that the repayment amount is too small to borrow money smoothly, the minimum repayment amount is 300 yuan.
JD.COM baitiao
“JD。 COM White Strip is the first Internet credit payment product in the industry, which allows users to enjoy the consumption experience of "consumption first, payment later, real-time approval and arbitrary installment", and quickly becomes an industry model, laying the leading brand position of Jingdong Finance in the consumer finance industry.
In positioning, "JD. COM White Strip is a credit payment service for users with high credit rating and consumer demand through the credit evaluation of big data. Users can enjoy the service of paying first and shopping in installments in JD.COM Mall, with a maximum of 24 installments. Bills can also be repaid in installments, with the lowest repayment rate and lower execution rate than bank credit cards. Jingdong Finance Consumer Finance has opened more than 1 100 million users.
Since then, "Baitiao" has also opened up O2O(JD.COM arrives at 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 house purchase service to providing credit consumption loans, covering more consumption scenarios and providing credit consumption services for more consumers.
JD.COM Baitiao's service scene has gradually expanded, with nearly 10 million online and offline merchants, covering life and entertainment, business travel, education and training, communication, leasing and other industries. Cooperate with the bank to co-sign the electronic account "White Strip Flash Payment", expand the white strip payment to offline through NFC technology, and further broaden the use scenarios of white strip payment by binding WeChat payment.
2065438+March 2009, according to the statistics of the referee document network, more than 200 people have used JD. COM white strip "fraud. According to the verdict, the average age of the defendants in 107 is 28 years old. Take JD as an example. The two courts in Changsha pronounced that college students accounted for nearly half of the defendants. The defendant's maximum sentence was 19 years, with an average sentence of 2.35 years. In addition, the number of college students deceived mentioned in the judgment exceeded 362, which became a more conspicuous group among the victims.
Will the repayment of IOUs be limited to a minimum? Is the monthly consumption of white bars in JD.COM limited?
JD.COM IOUs can also be overdrawn in advance. Generally speaking, IOUs can be used to consume IOUs in JD.COM shopping malls or offline businesses. Many people are restricted when using IOUs, thinking that it is the lowest reason. They will ask whether it is limited to borrow money when it is only the lowest. Is there a monthly consumption limit for white bars in JD.COM? Let's briefly introduce it today.
Will the repayment of IOUs be limited to a minimum?
You can pay the current bill in full, or you can only pay the minimum amount. It won't be overdue anyway. The person who only pays the minimum repayment amount in the IOU will be considered by the system to be not very strong in repayment ability, but will not give a limit for it. After all, users are free to choose which repayment method is not overdue.
Therefore, if the debt is limited, you can find reasons from other aspects, such as whether there are risks in the current transaction, such as frequent large consumption, and brush it out immediately after repayment; Or the single-brush merchants are blacklisted merchants. There are also new device logins. It is possible.
Is there a monthly consumption limit for white bars in JD.COM?
When using IOUs for consumption, the system will comprehensively evaluate users' credit. The score is up to standard and the consumption is successful. Otherwise, if the score is insufficient, consumption will not prompt the consumption limit.
The consumption limit of IOUs is based on natural months. If the consumption of IOUs is limited, IOUs can no longer be traded in the current month, and can only be paid in other ways. When the consumption ceiling is 0. 1 reset next month, you can try to pay with white bars, and the success will be comprehensively evaluated by the system.
Will the repayment of IOUs be limited to a minimum? I hope it will help everyone.