What is the limit of JD.com’s co-branded credit card?

JD.com’s financial co-branded card has two types: gold card and platinum card. The limit of gold card is generally between 10,000 and 50,000 yuan. The amount is above 50,000.

1. There are currently two types of JD Financial co-branded cards, namely Baitiao co-branded cards and city credit cards. Baitiao co-branded cards are also called "little white cards". Currently, China Everbright Bank, Bank of Communications, CITIC Bank, China Merchants Bank, Bank of China, Minsheng Bank, and China Guangfa Bank all have small white cards. Users can apply for them on the official website of JD Finance. City Credit Card currently cooperates with banks such as Changsha Bank, Shengjing Bank, Zhongyuan Bank, Jinshang Bank, HSBC, Shanghai Bank, Guangzhou Bank, Dongguan Bank and Beijing Rural Commercial Bank.

2. How long does it take to review a JD.com co-branded credit card?

1. The review time for a JD.com co-branded credit card takes 10 working days. The application channel for JD co-branded credit cards includes JD Finance, but the approval of card application materials is still handled by the review department of the bank head office where the cardholder applied. According to the regulations of the card-issuing bank, after the bank receives the card application information submitted by the applicant, it usually completes the review within 10 working days. The card will be printed and sent to the applicant within 5 working days after the review. In other words, for JD.com’s co-branded credit card, it usually takes 10 working days from the time the review department receives the card applicant’s application information to the time the credit card is reviewed.

2. JD.com’s co-branded credit card review takes 10 days. But it has to be said that applicants need to refer to the actual time when the credit card review is completed. If the JD.com co-branded credit card has not been reviewed for a long time, the applicant can contact the official customer of the card-issuing bank or JD.com’s official customer service for consultation.

3. What is the difference between Jingdong co-branded credit card and normal credit card?

The main difference between Jingdong co-branded credit card and normal credit card is the different rights and interests. JD.com’s co-branded credit card has special rights and interests provided by JD Finance and banks, while normal credit cards only have rights and interests provided by banks. In addition, the application methods for JD.com co-branded credit cards are also different from those for normal bank cards. Generally speaking, there is a dedicated channel to apply for the card. As for normal credit cards, there are many ways to apply, such as bank official websites, mobile banking, third-party cooperation platforms, etc. There is no exclusive application method.

Is JD Xiaobai Card a credit card? Is the co-branded special card worth applying for?

As one of the leading players in the e-commerce industry, JD Finance has a huge user base. In the past two years, In order to seize the credit card market, JD Finance has successively joined forces with major domestic banks to launch JD Little White Card. Many card friends ask, is JD Xiaobai Card a credit card? The answer is of course yes.

JD Xiaobai Card is a credit card

JD Xiaobai Card, also called Baitiao co-branded credit card, is a special credit card jointly owned by JD Finance and various bank credit card centers. Different from traditional credit cards, JD Xiaobai Card not only has good appearance and supports free customization, but its holders can also enjoy the gold card privileges of various bank credit cards and JD Baitiao preferential rights. From this perspective, JD Little White Card is a more suitable credit card for cardholders who often spend money in JD Mall.

Limit of Jingdong Xiaobai Card

As a special credit card, it is jointly issued by China Everbright Bank, China CITIC Bank, Hua Xia Bank, China Minsheng Bank and China Merchants Bank. The JD Xiaobai Card of each bank is positioned at the gold card level, with a credit limit between 10,000 and 50,000. The specific credit limit will be based on the comprehensive assessment of the credit of the applicant, and the applicant's various data on JD.com and Xiaobai Credit score is also an important reference factor.

JD Xiaobai Card application method

1. JD.com only provides a service platform for online credit card application. The use, interest calculation, repayment, and account management of credit cards are all handled by the card issuer. The relevant system specifications shall prevail, and JD.com does not assume any responsibility.

JD Little White Card is a credit card. In addition to the basic functions of a credit card, the Little White Card of different banks can also enjoy various benefits and rights provided by banks and JD.com. If you are a JD fan, then apply A CITIC Baitiao co-branded card is perfect.

What does it mean when Baitiao is updated to a co-branded card?

The Baitiao co-branded card is a co-branded credit card product jointly developed by JD Finance and banks. In addition to the basic credit card functions, the Baitiao co-branded card can also You can also enjoy the related rights and interests of Baitiao.

At present, JD.com’s financial partners include: CITIC, Minsheng, China Everbright, Huaxia, Guangzhou, Shanghai, China Merchants Bank, Beijing Rural Commerce, Communications, Guangfa, Bank of Beijing, Industrial and Commercial, HSBC, Bank of China, Shengjing, Dongguan, Dongguan Rural Commerce, Changsha, Zhongyuan, Shanxi Merchant, Mintai, Nanjing, Xi'an, Sichuan Tianfu, Jiangxi, Qilu, Jilin, Gansu, Chang'an, Jiangyin Rural Commerce, Qinghai, Ningxia, Hengfeng, Yunnan Rural Credit Union, Yellow River Rural Commerce Waiting for the bank.

New banks will be connected in the future, please continue to pay attention. Please refer to the front-end page for specific supported banks.

"JD Baitiao" is the industry's first Internet credit payment product, allowing users to enjoy the consumption experience of "consume first, pay later, real-time approval, and installment as you wish". It has quickly become an industry model and laid the foundation for JD. Finance’s position as a leading brand in the consumer finance industry.

In terms of positioning, "Jingdong Baitiao" is a credit payment service that uses big data to conduct credit assessment and provides users with high credit ratings and consumer needs. Users can enjoy use-now-pay-later and installment shopping services on JD.com for up to 24 installments. Bills can also be paid in installments and with minimum repayments, and the interest rate is lower than that of bank credit cards. JD Financial Consumer Finance has over 100 million users.

Since then, "Baidiao" has also opened up O2O (Jingdong Daojia), global shopping, and product crowdfunding within the JD system. Later, it gradually covered areas such as rentals, tourism, decoration, education, and weddings. The credit purchase service extends to the provision of credit consumption loans, covering more consumption scenarios and providing credit consumption services to more consumers.

JD Baitiao’s service scenarios have gradually expanded, and it has cooperated with nearly ten million online and offline merchants, covering the life and entertainment, business travel, education and training, communications and leasing industries. Cooperating with banks to jointly brand the electronic account "Baidiao QuickPass", using NFC technology to expand Baitiao payment offline, and further broadening the usage scenarios of Baitiao payment by binding WeChat payment.

What are the uses of the ICBC JD.com Baitiao co-branded credit card?

1. JD.com co-branded credit card holders can enjoy an interest-free period of about 30 to 50 days. During this period, interest-free If the loan is repaid within the period, the cardholder only needs to repay the principal.

2. Cardholders will be given an iQiyi Gold VIP Seasonal Card upon opening the card, and any 3 purchases per week will automatically be directly charged to the iQiyi Gold VIP Membership for 7 days.

3. Cardholders can activate Baitiao services after getting the credit card. After activating the corresponding services, cardholders will be eligible to use JD.com Baitiao, and their points will be doubled.

4. Cardholders who spend more than 3,000 yuan per month can choose one of iQiyi FUN membership, iQiyi Sports membership/movie discount coupons.

5. For every monthly purchase, you can get 1 Jingdou for every minute you watch a drama, and you can get up to 1,000 Jingdou every month.

"JD Baitiao" is the industry's first Internet credit payment product, allowing users to enjoy the consumption experience of "consume first, pay later, real-time approval, and installment as you wish". It has quickly become an industry model and laid the foundation for JD. Finance’s position as a leading brand in the consumer finance industry.

"Jingdong Baitiao" is a credit payment service that uses big data to conduct credit assessment and provides users with high credit ratings and consumer needs. Users can enjoy use-now-pay-later and installment shopping services on JD.com for up to 24 installments. Bills can also be paid in installments and with minimum repayments, and the interest rate is lower than that of bank credit cards. JD Financial Consumer Finance has over 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. JD.com’s Baitiao ABS product allows users to use Baitiao to shop first and pay later. JD.com then recombines the Baitiao installment bonds and packages them for sale to financial institutions, thereby obtaining liquidity in advance.

At present, Baitiao ABS products have been issued in four phases, with quotas of 800 million, 1.2 billion, 2 billion, and 1.5 billion respectively.

At the same time, the issuance process of Baitiao ABS has also been changed from the past approval system to the filing system for the first time, which means that the capital flow of Baitiao ABS will be accelerated in the future.

In e-commerce consumption, the habit of "baitiao" installment shopping has gradually developed, and more people born after 1985 are willing to try consumer credit installments for travel, education, decoration, etc. In terms of user age, the post-85s generation accounts for nearly 70%, which is still the mainstream; in terms of income, users with a monthly income of more than 5,000 yuan account for more than 50%, which means that "Baidiao" has become a daily payment tool and consumption for middle-income groups. lifestyle.

JD Gold Bar uses differentiated credit and interest rate pricing methods to provide cash loan services with a maximum credit limit of 200,000 yuan and a maximum installment of 12 months. Interest is calculated on a daily basis and the daily interest rate does not exceed 0.05.

In addition, Baitiao also cooperated with China CITIC Bank and China Everbright Bank to launch a co-branded credit card, also known as "Little White Card". This is an "Internet" credit card, popular among young people born in the 1990s, and it is also the first credit card for many young people. This card further reflects Baitiao's role as a credit connector between the Internet and banks, and online and offline. Exclusive access to the combined benefits of bank Internet.

What is the general limit of a JD Finance co-branded credit card?

Usually, JD Finance co-branded cards are divided into gold cards and platinum cards. The limit of a gold card is usually between RMB 10,000 and RMB 50,000. Yuan, while the limit of the platinum card will be more than 50,000 yuan. The specific limit of the individual JD.com co-branded credit card will depend on the actual situation. The JD Finance co-branded card limit is related to the card type, personal qualifications, credit status, etc. of the cardholder, and is subject to the final credit limit issued by the card issuer.

JD Finance co-branded credit card is a credit card launched by JD.com in cooperation with major commercial banks, including JD Baitiao co-branded card and JD City Credit Card. Among them, the JD Baitiao co-branded card can be applied for through China Everbright Bank, Bank of Communications, CITIC Bank, China Merchants Bank, Bank of China, Minsheng Bank, China Guangfa Bank, etc. There are two types of JD Finance co-branded cards: gold card and platinum card. The limit of the gold card is generally between 10,000 and 50,000 yuan, and the limit of the platinum card is more than 50,000 yuan. The actual limit of the credit card shall be subject to the limit granted by the card issuer. .

JD Financial Co-branded Card Application Conditions:

1 Applicants should be Chinese citizens aged 18 (inclusive) to 65 (inclusive) and have full capacity for civil conduct;

2 When applying for a credit card online, the applicant should complete the application information form online and ensure that the information filled in is true and accurate;

3 The applicant has a stable job and income, and has the ability to repay the loan ability, and the personal credit report is good, and there is no bad record;

4 The applicant is a real-name user of JD.com, and does not have any bad record of JD.com, if the order is maliciously charged back, the IOU is overdue, etc.

After meeting the above conditions, the applicant can directly apply for a JD Financial co-branded card. The card issuer will decide whether to issue the card and grant an account credit limit based on the applicant's credit status. After submitting the application materials online, the applicant can check the credit card approval status through the JD Finance co-branded card application page.

There are currently two types of JD Financial co-branded cards, namely Baitiao co-branded cards and city credit cards. Baitiao co-branded cards are also called "little white cards". Currently, China Everbright Bank, Bank of Communications, CITIC Bank, China Merchants Bank, Bank of China, Minsheng Bank, and China Guangfa Bank all have small white cards. Users can apply for them on the official website of JD Finance. City Credit Card currently cooperates with banks such as Changsha Bank, Shengjing Bank, Zhongyuan Bank, Jinshang Bank, HSBC, Shanghai Bank, Guangzhou Bank, Dongguan Bank and Beijing Rural Commercial Bank.

What is the reason why the application for CMB JD Baitiao co-branded card failed?

The CMB Jingdong Baitiao Co-branded Card is a credit card with rich benefits and slightly better appearance. It is sought after by many friends and applied for it. However, some friends failed when they applied. Why is this? Don't be anxious and listen slowly.

First of all, let me introduce to you the application conditions for the CMB JD Baitiao Co-branded Card. In fact, there are no changes to the application conditions for other credit cards: 1. The age must be between 18 and 65 years old; 2. Have a legal , Stable job and income; 3. Good personal credit record.

As long as natural persons meet the above three points, they can apply.

Therefore, this CMB JD Baitiao co-branded card is still a credit card after all, since it is still the same as other credit cards. Therefore, there is a high possibility that the application fails due to the following reasons:

1. Personal qualifications

Everyone knows that when applying for a credit card, in addition to the application form, you also need Submit various supporting materials to the bank, and then the bank will review and score based on the materials provided by the applicant. If the submitted information has a lowering impact on the score, it is normal for the application to fail.

2. Personal credit record

If the personal credit record shows that the credit record is good, the possibility of successful application is very high; if the application fails, you should consider personal credit record. Are there any bad records on the letter record?

3. Application form information

The bank’s initial understanding of the applicant is to review the applicant’s information from the application form, so when filling out the application form, you must ensure that the application form The above information is true and the application form is completed completely.

4. Repeated applications

Do not apply repeatedly after your application for a credit card is rejected. Leave a period of time in between, about 1-3 months. Applying again after that will be more successful than applying repeatedly. The odds are much higher.

The above is the relevant content compiled for you. If you want to successfully apply for a card, you must be fully prepared in the application form, personal information and credit records. When applying for a card The success rate will be high.

This concludes the introduction to JD Baitiao co-branded credit card and JD Baitiao co-branded credit card limit. Have you found the information you need?