Is a credit card necessary to activate JD Baitiao?

Not necessarily. You can use debit cards and credit cards to activate Baitiao. The specific supported bank cards are subject to the actual display when you activate. You can apply through the following paths:

1. Activate Baitiao on the computer

Operation path on computer: JD Finance Homepage-Baidiao-Activate Baitiao

2. Activate Baitiao on JD Finance App

Operation path: JD Finance App Homepage-Baidiao-Activate Now

Does Jingdong Baitiao require a credit card to apply?

Debit cards and credit cards can be used to activate JD Baitiao, but currently we only support some users to activate with debit cards. The specific supported bank cards are subject to the actual display when you activate. We will continue to promote debit card activation notes in the future. It is recommended that you apply for a supported bank card and try to activate it or keep better consumption records. Follow up.

The method of activating ordinary Baitiao is as follows:

1. Activate Baitiao on JD Financial App

Operation path: JD Financial App Home Page - Baitiao - Activate Now

①. Log in to the JD Finance App, click on the Baitiao column to enter the Baitiao activation process

②. Click to activate immediately. If there are remaining Baitiao quotas on the day, you can grab the quota. If there are no quotas on the day, please apply. Try to claim your spot again on the next day. The quota is valid on the same day. After clicking Start Application to accept the relevant agreement, follow the steps on the page to complete the activation.

2. Activate Baitiao on the computer

Operation path on the computer: JD Finance homepage - Baitiao - Activate Baitiao

① Log in to JD Finance, enter the Baitiao homepage and click "Activate Baitiao"

②. Click Activate Baitiao and it will prompt you to scan the QR code to download the JD Financial App for activation.

Warm reminder: The Baitiao activation result is determined by the system based on the comprehensive evaluation of the materials you filled in, and manual intervention is not possible. If the system prompts "We are temporarily unable to provide you with Baitiao service", it means that you are temporarily unable to use Baitiao and operate frequently. May affect chances of success. If your activation result page prompts that you can purchase financial services or apply for a small white card, you can also try to follow the prompts.

Can I use JD Baitiao without a credit card?

You can use JD Baitiao without a credit card.

JD Baitiao is the industry’s first Internet consumer financial product. "Consume now, pay later", enjoy an interest-free period of up to 30 days and installment payment of up to 24 installments. Log in to the official website of baitiao, or the JD Financial APP - Baitiao, and you can enter the page to apply for activation independently. Users of Jingdong Mall are eligible to activate "Baidiao" for shopping in the mall.

The person in charge of risk control of JD Finance’s consumer finance division revealed that no credit extension in the consumer finance business requires manual approval, and users are all identified through the risk control big data model. The backend risk control system will "identify" the user based on shopping habits, credit status, delivery address stability, etc., combined with a variety of factors and data, and then quickly provide an assessment result of whether the "white ticket" can be activated.

Extended information:

Jingdong Baitiao was blocked by credit cards and was accused of "repaying credit with credit":

According to the regulations of the regulatory authorities, commercial bank personal credit cards ( Overdrafts (excluding Huinong credit cards that serve "agriculture, rural areas and farmers") should be used in the consumption field, and shall not be used in non-consumption fields such as production, operation, investment, etc. Customers also cannot use credit card overdrafts to top up payment accounts. Some insiders said that the actions of China Merchants Bank and Bank of Communications are understandable.

Jingdong Baitiao can provide customers with two different consumption payment methods of up to 30 days deferred payment or 3-24 monthly installments as well as a certain credit limit. The product function is very similar to a credit card and can be regarded as a credit product. If the customer chooses to use a bank credit card to repay the loan, it is a "loan to repay loan" behavior and there are compliance risks.

The person also pointed out that Ant “Huabei”, which is similar in nature to JD Baitiao, cannot use credit cards to repay bills. It only supports automatic deductions from user balances, Yu’e Bao and debit card quick payments to repay bills. . Compared with credit card repayment, this approach is more secure. It is worth noting that experts also have different perspectives on the controversy caused by i-tiao repayments.

Some people think that the risks of credit card repayments to IOUs should be taken seriously. Dong Ximiao, a visiting researcher at the Chongyang Institute of Finance at Renmin University of China, said that although JD Finance said that Baitiao is a credit purchase product, in terms of actual functions, features such as credit, overdraft, repayment, and installment can be regarded as products similar to loans or credit cards. .

Credit rating itself is used as the threshold for early consumption. Therefore, there is indeed a risk in repaying with a credit card. Liu Yinping, a financial analyst at Rong360, pointed out that using JD.com’s I-Tiao to delay payment and then repaying it with a credit card is a kind of “repaying credit with credit” behavior. This behavior is indeed illegal. Although it has not been explicitly prohibited by the regulatory authorities, it is Wandering in the gray area.

Baidu Encyclopedia - Jingdong Baitiao

People's Daily Online - Why was Jingdong Baitiao blocked by credit cards and accused of "paying credit for credit"

Does Jingdong Baitiao need a credit card? No way to activate

Debit cards and credit cards can be used to activate Baitiao, but currently only some users are supported to use debit cards to activate. The specific supported bank cards are subject to the actual display when you activate.

The method of activating ordinary Baitiao is as follows:

1. JD Finance App

Operation path: JD Finance App Home Page - Baitiao - Activate Now

2. Activate Baitiao on the computer

Operation path on the computer: JD Finance Home Page - Baitiao - Activate Baitiao

Warm reminder:

The activation result of Baitiao is the system Based on the comprehensive evaluation of the materials you filled in, manual intervention is not possible. If the system prompts "We are temporarily unable to provide you with Baitiao service", it means that you are temporarily unable to use Baitiao. Frequent operations may affect the chance of success. If your activation result page prompts that you can purchase financial services or apply for a small white card, you can also try to follow the prompts.

That’s it for the introduction of Jingdong Baitiao, does it require a credit card?