With the rapid development of e-commerce platforms, major e-commerce platforms have successively launched installment credit products for personal consumption, while Taobao and JD.COM Mall, as the first and second largest e-commerce platforms in China, launched installment credit products for personal consumption relatively early, and more consumers used their products. So, are white stripes and flower buds the same in JD.COM? What's the difference between them? As a user, which one do you prefer? ?

Are the white stripes the same as those in JD.COM? ?

First of all, JD.COM Baitiao is a personal consumption credit product under Jingdong Finance, and Bai Hua is a personal consumption financial product under Alipay. Both of them are unsecured personal credit loans, and the amount is 500-50000 yuan. You can pay in installments online, and you have interest-free time. They all belong to online virtual credit cards, and users can shop on two e-commerce platforms according to their own quotas. ?

What's the difference between white and white stripes in JD.COM?

1. Repayment time: after consumption with JD.COM White Strips, the repayment time is the consumption time of this month. For example, in June 10, I used JD.COM white bars to shop in JD.COM Mall, and in June 10, the repayment time is next month. The repayment time is not fixed, mainly depending on when to use JD.COM IOUs for consumption. ?

The repayment time in Bai Hua is fixed, usually on the 9th, at the beginning of each month 10. For example, if you spend money with Bai Hua on the 22nd of this month, a bill will be generated on the 1 of the first month, and 10 is the repayment date, so it will be paid in ten days, so it is better to stay in JD.COM. ?

2. Difference between overdue accounts: JD.COM IOUs account is overdue, and the fine charged by JD Finance is three ten thousandths, while the fee charged by Bai Hua is five ten thousandths, which is relatively higher than that of JD.COM IOUs. ?

3. Different usage scenarios: From the current usage scenarios of JD.COM White Stripes, JD.COM Mall is mainly used online, and Jingdong Payment is less used offline. According to my daily payment, most shops don't have Jingdong payment method. ?

There are relatively many scenes in which flowers are used. Online, most of the larger e-commerce platforms currently support flower garden payment, while offline, regardless of food markets, large shopping malls, hotels, restaurants, etc. , all support ant flower buds to pay. On 20 18, the face-to-face payment of flower buds was introduced, and even merchants who did not open the flower bud collection function could use flower buds, which greatly improved the usage scene of flower buds.