JD.COM IOU is a payment method that you can enjoy spending first and then repaying, but if you don't repay on time, you will not only have a penalty interest, but also be held accountable. So, can I repay JD.COM's IOUs by credit card? If yes, what is the repayment path?
JD.COM, can I repay the loan by credit card?
When applying for JD.COM IOU, you must bind a credit card or savings card, not for repayment, but for repayment. However, JD.COM IOUs have been gradually closed, and credit cards are used as the repayment function of JD.COM IOUs.
How to repay the debt owed by JD.COM?
1. After logging in to JD.COM, click My JD.COM, and select JD.COM White Bar in the left navigation bar to enter the white bar query page;
2. Click the button in the red box of the page for consolidated payment;
3. Select all or part of the order to pay, or pay for a certain period in the blank details;
4. After clicking the Pay Now button, the page will jump to Jingdong Financial Cashier, select a savings card, and complete the IOUs repayment operation.
That's all I've compiled, all about the repayment of JD.COM's debit card for your reference.
, you can handle all kinds of credit cards quickly and safely.
How does JD Finance repay the credit card?
(1) Open and log in to Jingdong Financial App on your mobile phone, and click Life, All Services, Credit Card Repayment and Repayment in turn to repay the credit card.
(2) If the user does not bind the credit card, he needs to click "Add Card" to bind the credit card first. After completing the credit card binding, the user fills in the information according to the page prompts to repay.
(3) If the user has bound the credit card, directly click on the credit card to be repaid, and fill in the relevant information according to the page prompts to complete the repayment.
At the beginning, users don't need to pay a handling fee to use Jingdong Finance to pay back their credit cards. However, the JD.COM currency recently adjusted its credit card repayment rules. From September 1 day, users will no longer use JD Finance to repay their credit cards for free. The specific rules are as follows:
Jingdong Finance provides each user with a free repayment amount of 1 10,000 yuan. As long as the credit card repayment amount of the user in the current month does not exceed 10000 yuan, the user does not need to pay the handling fee when returning the credit card. If the user's credit card repayment amount exceeds 1 10,000 yuan in the current month, JD Finance will charge a handling fee for the repayment exceeding the amount according to the ratio of 0. 15%.
Even if the credit card bill exceeds the free repayment limit of Jingdong Finance, the cardholder can still avoid paying the handling fee: the cardholder finds a friend with an additional free repayment limit and transfers the repayment to a friend, so that they can repay the credit card for themselves.
Can JD.COM gold bars be repaid by credit card?
JD.COM gold bars are consumer loan products in JD.COM. They are similar to IOUs, except that one is similar to a credit card and the other is similar to a loan. Many friends are interested in the repayment method of JD.COM gold bars, and want to know whether they can repay by credit card like white bars. Let's take a closer look.
1. Can I repay JD.COM gold bars by credit card?
Gold bars and white bars are products of Jingdong Finance. It stands to reason that the repayment method should be similar, and everyone knows that white bars can support credit card repayment, which means that gold bars may also support credit card repayment.
Of course, this is just a guess. I can't help it As I am not qualified to use gold bars at all, I can only rely on speculation. After all, it is difficult to draw conclusions without practice. As for whether the guess is right or wrong, you have to rely on your friends to experience it and then tell the answer.
2. Which credit cards support repayment of JD.COM gold bars?
Imagine that if gold bars can really support credit card repayment, there is another place to pay attention to. After all, not all credit cards support JD.COM gold bars. Take IOUs as an example. Although domestic credit cards such as ICBC, ABC, BOC and CCB can repay IOUs at prime Bank, China Merchants Bank and Bank of Communications have stopped this business one after another.
Why don't some banks support it? Many banks believe that credit card overdraft should be used in the consumer field, not in the non-consumer fields such as production, operation and investment; White bars and gold bars are loan products provided by JD.COM Mall to customers. If you use a credit card to pay back the IOUs, it must be "repaying the loan". To put it bluntly, it is "robbing Peter to pay Paul", and banks have to bear great risks. Of course, we have to stop this business.
Can JD.COM gold bars be repaid by credit card? Pay attention to these matters.
Now JD.COM gold bars will also be collected, which means that once overdue, bad credit will be generated. Many friends often encounter that they have no money to repay JD.COM gold bars, but credit cards have a limit, so they want to know whether they can repay JD.COM gold bars with credit cards. Let's discuss this problem together.
Can JD.COM gold bars be repaid by credit card?
Let's not talk about the answer here. Friends who have opened JD.COM gold bars can try to bind a debit card and a credit card at the same time on Jingdong Financial APP.
Then click the repayment button of JD.COM Gold Bar to see which bank card the repayment method supports. Then you can see that the credit card option is grayed out, and you can only choose debit card, which means that JD.COM gold bars cannot be repaid by credit card.
But if you really want to repay JD.COM gold bars by credit card, you can.
But you need to use a credit card to withdraw cash first, and then transfer it to the bound savings card, and use the savings card to repay the JD.COM gold bars, which is equivalent to indirectly paying back the money with a credit card. There are two ways to obtain funds by credit card, one is to withdraw cash directly or handle cash advance business through credit card, and the other is to handle cash installment business through credit card.
The difference between the two is that the fees charged are different. Cash withdrawal is daily interest, monthly compound interest, and the daily interest rate is five ten thousandths. It's too expensive to take the cash back to JD.COM gold bars in this way. I don't quite agree with it. The monthly fee of cash installment is around, but the actual annual interest rate may be around 20%, which is not very cost-effective.
To sum up, JD.COM gold bars cannot be repaid directly by credit card, but you can withdraw cash by credit card and then repay JD.COM gold bars indirectly. Although this method is feasible, the cost will be higher, so don't play like this unless you have to. Of course, you can be so casual if you have more money.
This concludes the introduction of how to repay by credit card in JD.COM and how to repay by credit card in JD.COM. Did you find the information you needed?