Is it necessary to apply for a white card?
In fact, JD.COM IOUs are essentially similar to credit cards, which are credit payment products that allow users to "spend first and then repay". Then, why should JD.COM Baitiao cooperate with banks to launch white cards? Naturally makes sense. For example, White Card has more functions and benefits than JD.COM White Card, so you need to judge for yourself whether it is necessary to apply.
The functions and benefits of white cards are as follows:
1, the interest-free period is longer.
The longest interest-free period of IOUs in JD.COM is 4 1 day, for example, if they are consumed in June of 13, and the repayment date is July 22nd, but the interest-free period of IOUs can be extended to 5 1 day.
2. There is a higher quota.
Generally, the approval amount of white card is higher than the original white card, up to 200,000 yuan, and the maximum amount of Ping An white card is 6,543,800 yuan.
3, the application range is wider.
Generally speaking, white stripes in JD.COM can only be used for shopping platforms in JD.COM. However, in addition to the JD.COM platform, the white card can also be combined with payment tools such as WeChat and Alipay, which are more widely used online and offline.
4. Enjoy more discounts
On the basis of enjoying the original benefits of IOUs, IOUs can also enjoy credit card points and various benefits, such as JD.COM Plus's first annual membership card, the threshold of lifetime annual fee exemption for IOUs, etc. Because it is a comprehensive product of JD.COM IOUs and cooperative banks, the benefits and benefits enjoyed are naturally both.
The above is about "Is it necessary to apply for a white card?" I hope I can help you.