JD.com Finance and Industrial Bank jointly announced the launch of China’s first Internet savings card, a small gold card. The Little Gold Card provides cardholders with integrated financial services such as savings, financial management, and consumption. So, what is JD.com’s Little Gold Card? How to apply for Jingdong Little Gold Card?
1. What is the Jingdong Gold Card?
When it comes to JD.com’s Little Gold Card, many people think of JD.com’s Little White Card. Different from the small white card, which is a credit card, the small gold card is a standard debit card, which is also a savings card.
2. What are the functions of Jingdong’s small gold card?
Jingdong’s small gold card not only has the functions of a savings card: depositing and withdrawing cash, transferring and remittances, swiping cards for consumption, collecting and paying on behalf of others, asset management, etc. It also has a function that traditional savings cards do not have: automatic balance management.
In addition, online, the amount in the small vault can be spent on various online shopping platforms, and offline, the amount in the small vault can be withdrawn directly from ATMs.
3. How to manage the automatic financial management of the balance of the small gold card?
Balance management of the Little Gold Card: After the user completes the JD Little Treasury contract with JD Finance, the balance of the current account in the Little Gold Card exceeding RMB 1,000 can be automatically transferred to the JD Little Gold Card at regular intervals every day. Vaults, subscription-related monetary funds, enjoy much higher returns than demand deposits.
To give a chestnut: Calculated by the seven-day annualized rate of return of JD.com’s small treasury at 4.0520%, Mr. Guo, a white-collar worker in a first-tier city, has 101,000 yuan in his small gold card current account. The portion exceeding 1,000 yuan will be automatically transferred to JD.com The small treasury can earn 11.1 yuan per day. On the contrary, if Mr. Guo puts money into an ordinary bank debit card, compared with the current income of 0.83 yuan/day from demand deposits, the income gap in one year is about 3,749 yuan.
4. How to apply for JD.com Gold Card?
Starting from August 18, Beijing and Zhejiang (except Ningbo) will be the first to launch the small gold card, and it will be promoted nationwide after September 1.
1. Log in to the JD Mall APP - go to the "My" - "Little Treasury" path, or through the JD Financial APP - "Little Treasury", enter the card application page to make an appointment, hold the second-generation With your ID card, you can open a small gold card at Industrial Bank's offline business hall counters, smart counters and other channels to enjoy unparalleled value-added services such as "balance financial management" and "balance payment".
2. Users can also directly apply for activation at the counters or smart counters of Industrial Bank business halls in Beijing and Hangzhou.