1. small white credit (credit score ≥30 points) convertible steel tan:
Steel shovel can be directly used to pay for the orders of self-operated goods on the website of JD.COM Mall (except for investing in gold and silver, collectibles and some virtual products, steel shovel payment is not supported). At the time of consumption, 1 steel shovel can be used in cash 1 yuan, and steel shovel can pay the mall order in full. After the user submits the order on the PC page, he can choose the existing steel shovel at the cashier.
2. Xiaobai Credit (credit score ≥60) evaluates whether the customer is eligible to purchase membership upgrade:
Eligible to purchase (or open for trial use) the applied member PLUS, and enjoy 5- 10 times higher than ordinary users, JD.COM. COM self-operated free shipping, free reading of e-books and so on.
3. Xiaobai Credit (credit score ≥80 points) evaluates whether customers are qualified to write IOUs:
Those with good credit will have the opportunity to open IOUs in JD.COM and get the IOUs consumption quota. When spending money in JD.COM, you can choose to pay in IOUs, and you can enjoy the discount of buying in the same month and repaying next month.
4. Xiaobai Credit (credit score ≥90) is qualified to provide customers with accelerated growth value:
The growth value is obtained by Jingdong members through login, shopping, evaluation and printing, and the cumulative total growth value determines the membership level. The growth value of members' shopping can be accelerated by improving Xiaobai's credit score. The higher the small white credit score, the greater the acceleration coefficient. Xiaobai Credit can enjoy different growth value acceleration coefficients in each score segment. The higher the score, the greater the acceleration coefficient.
Extended data:
Methods to improve the credit of JD.COM Xiaobai Company;
(1) Having sufficient assets;
Sufficient assets can prove that everyone has a strong repayment ability, thus improving JD.COM Xiaobai's credit score. Therefore, you can buy more wealth management products, funds and insurance in Jingdong Finance.
(2) Performing the contract on time:
Repay the loan and credit card bills in full and on time; Use loans and credit cards in strict accordance with the requirements, and do not change the purpose of loans or cash out credit cards in violation of regulations; In the process of online shopping, we should actively participate in shopping evaluation and be objective and fair.
(3) Improve the identity information:
JD.COM Xiaobai Credit Association will examine everyone from social attributes, living environment, education level and stability. Therefore, people should not change their work and residence addresses frequently in their daily lives, and their living conditions should be stable.
(4) Have a certain active time in JD.COM Mall;
Xiaobai Credit is renewed at the beginning of each month. Customers can increase the frequency and amount of purchases in JD.COM to avoid malicious returns. As long as we can persist for a period of time, we will see good results.
Jingdong Finance official website-Xiaobai Credit