JD.COM IOU: If the final repayment date is exceeded, JD.COM will charge a penalty of three ten thousandths per day, and it is not the full penalty interest.

Credit card installment: At present, most of the outstanding credit cards of banks are full penalty interest, so even if the cardholder repays part of the credit limit, the penalty interest will still be calculated in full after the deadline.

Second, the service fee is different.

"White Strip" also allows users to enjoy policies such as interest-free repayment within 30 days. Users can choose to postpone payment for up to 30 days, or choose to pay in installments of 3- 12 months. Interest-free repayment within 30 days, with down payment rate of 0.5% and total interest rate of 12 of 6%. "White note" can complete the application and credit process online in one minute, and the service fee is only half of that of similar banking services.

Third, the installment fee is different.

JD.COM IOUs: The installment fee is 0.5%. If you use "JD". COM White Strips can also enjoy a 60% discount on the single installment fee during the promotion period, that is, 0. 3%.