2. When the cardholder opens the card, he/she will receive the iQiyi Gold VIP membership season card, which will be spent 3 times a week and automatically recharged for 7 days.
3. The cardholder can activate the IOU service after getting the credit card. After activating the corresponding service, the cardholder can get the qualification to use white stripes in JD.COM, and the points will be doubled.
4. Cardholders spend more than 3,000 yuan per month, and choose one of iQiyi fun members and iQiyi sports members/movie coupons.
5. Spend 1 time per month, enjoy 1 minute to watch the opera, and get 1 Jingdou, with a maximum of 1 ,000 Jingdou per month.
“JD。 COM White Strip is the first Internet credit payment product in the industry, which allows users to enjoy the consumption experience of "consumption first, payment later, real-time approval and arbitrary installment", and quickly becomes an industry model, laying the leading brand position of Jingdong Finance in the consumer finance industry.
“JD。 COM White Strip is a credit payment service for users with high credit rating and consumer demand through credit evaluation of big data. Users can enjoy the service of paying first and shopping in installments in JD.COM Mall, with a maximum of 24 installments. Bills can also be repaid in installments, with the lowest repayment rate and lower execution rate than bank credit cards. Jingdong Finance Consumer Finance has opened more than 1 100 million users.
In order to broaden financing channels and expand business scale, Internet consumer finance institutions and consumer finance companies have chosen ABS as a new financing breakthrough. For JD.COM IOUs ABS products, users use IOUs to shop first, and then pay. JD.COM reorganized IOUs installment bonds and sold them to financial institutions to obtain liquidity in advance.
At present, white ABS products have been listed and issued in four phases, with quotas of 800 million, 654.38+0.2 billion, 2 billion and 654.38+0.5 billion respectively. At the same time, the issuance process of white ABS has also changed from the previous approval system to the filing system for the first time, which means that the capital flow speed of white ABS will accelerate in the future.
In the consumption of e-commerce, the habit of "white bars" shopping by stages has gradually developed, and more post-80s people are willing to try the stages of consumer credit such as tourism, education and decoration. From the perspective of user age, the post-85 generation accounts for nearly 70%, which is still the mainstream; From the perspective of income, users with a monthly income of more than 5,000 yuan account for more than 50%, which means that "white bars" have become a daily payment tool and consumption lifestyle for middle-income groups.
JD.COM Gold Bar adopts differentiated credit granting and interest rate pricing, and provides cash loan service with the maximum credit line of 200,000 yuan and the longest installment 12 months, with daily interest, with the daily interest rate not exceeding 0.05%.
In addition, Baitiao also cooperated with China CITIC Bank and China Everbright Bank to launch joint credit cards, also known as "small white cards". This is a "internet plus" credit card, which is sought after by young people born in 1990s. It is also the first credit card for many young people. This card further embodies the role of IOUs as credit connectors between the Internet and banks, online and offline, and enjoys the combined rights and interests of banks and the Internet.