The bill installment process is as follows:

1. Computer-side operation process: Open the homepage of Jingdong Finance website, click My Assets-My White Slip to find the billed bill, and then click the billing installment. Your installment amount and installment service rate will be displayed here. After checking the amount and rate, click "Confirm Staging". The installment amount can be customized and modified, with a minimum of 100 yuan.

2. Operation process of Jingdong Financial App: Log in to Jingdong Financial App, and click on the white note-available amount of white note -X monthly bill (issued)-bill installment-view installment number-confirm installment on the home page.

JD.COM Baitiao is the first Internet credit payment product launched by JD.COM. It conducts credit evaluation through big data and provides credit payment services for users with high credit rating and consumer demand.

Providing a consumption experience of "consumption first, payment later, real-time approval and arbitrary installment" has established Jingdong Finance's leading brand position in the consumer finance industry.

JD.COM Baitiao allows users to enjoy the service of paying first and shopping in installments in JD.COM Mall, with the longest installment of 24, and the execution interest rate is lower than that of bank credit cards. It has opened up O2O(JD.COM to the home), global purchase and product crowdfunding in JD.COM system, and gradually covered the fields of renting, tourism, decoration, education and wedding in the later period, providing credit consumption services for more consumers.

Application conditions

Beijing JD.COM White Strip East White Strip is the first Internet consumer financial product in the industry. "Pay first and then pay back", enjoy a maximum interest-free period of 30 days and a maximum of 24 installments. Log in to official website, or Jingdong Financial APP- Baitiao, and you can enter the page to apply for activation independently. JD.COM mall users are eligible to activate the "white note" for mall consumption.

According to the person in charge of risk control of Jingdong Financial Consumer Finance Division, the consumer finance business has no credit that needs manual approval, and users are identified through the risk control big data model.

The control system after the typhoon will "identify" users according to their shopping habits, credit status and the stability of the receiving address. , combined with various factors and data, and then quickly give the evaluation results of whether the "white strip" can be activated.

The evaluation basis of big data model is the accumulation of user data, which needs to be updated dynamically in real time. Therefore, with the more accurate modeling of big data, the probability of user "white bar" activation will also increase. JD.COM Consumer Finance has completed the credit score of nearly 200 million users.

Regarding the withdrawal of IOUs, you can receive the withdrawal package regularly, and there are irregular IOUs withdrawal activities. Make a good record of consumer repayment, and you can also get a cash withdrawal reward.

How much is the white bill installment in JD.COM?

The installment service fee for JD.COM IOUs is 0.5%- 1.2% (month), and the installment service fee for each installment = consumption principal × installment service fee (month).

For example, after paying the bill, Xiao Ming sees that his bill this month is 1000 yuan. Money is a little tight because he has just paid the rent. He chose to repay in three installments. Take the installment interest rate of 0.7% as an example. His handling fee for each installment is: 1, 000 * 0.7% = 7 yuan. Starting from the next issue, Xiaoming only needs to return this issue to 340 yuan.

JD.COM IOUs installment payment has the following rules:

1, bill installment amount = undistributed expected repayment amount of this consumption * 90%;

2. Bill installment payment cannot be made under the following circumstances:

(1), the order has been phased;

2. It has expired;

③ The order amount is less than 10 yuan;

3. The bill can be divided into stages: billing date (inclusive)-repayment date (inclusive).

4. Orders can be temporarily stored during consumption, and only statements can be temporarily stored after consumption is completed;

5. After the bill is divided into installments, the first installment is included in the next installment, and there is no need to repay in this installment;

Example: the billing date of the user is February 1, the billing period of this period is1.1.31,and February 10 is the repayment date;

If the order is consumed in installments during the period of 1. 1- 1, the first repayment date is 2. 10 (order installment);

If the bill is paid in installments during 2. 1-2. 10, the repayment date of the first installment is 3. 10 (bill installment);

6. The application for installment payment is irrevocable;

7. The installment amount can be entered manually, and the minimum installment amount is not less than 100 yuan;

8. After the bill is divided into installments, if the user has a refund, the installment service fee will not be refunded;

9. The installment of the bill is synchronized with the installment amount of each order, and each order is an installment with the same number of installments. The bill installment service fee is the accumulation of the installment service fee for each order;

10. In case of prepayment or minimum repayment, the bill can still be paid in installments as long as the above conditions are met.

The reference steps of bill installment operation are as follows:

1. Computer-side operation process: Jingdong Finance Home-My Assets-My White Slip After finding the bill, click on the bill installment, and your installment amount and installment service rate will be displayed. After checking the amount and rate, click "Confirm Staging". The installment amount can be customized and modified, with a minimum of 100 yuan.

2. Operation process of Jingdong Financial App: Log in to the homepage of Jingdong Financial App-White Note-Available Amount of White Note -X Monthly Bill (Issued)-Bill installment-View installment number-Confirm installment.

How to perform the white stripes?

The installment of IOUs means that when IOUs are consumed, they can be repaid in installments.

If you choose white installment, you must bear the installment service fee. The order installment rate is 0.5%- 1.2%, and the bill installment service rate is also 0.5%- 1.2%. When using white installment service, the installment rate is subject to the page display.

Two situations of white stripes staging:

First, consumption time.

You can choose white installment when paying.

Second, consumption has no stages.

Log in to JD Finance APP, select X monthly bill (sent/not sent)-bill installment/order installment, and confirm the installment according to the page prompts.