JD。 COM's Internet consumer finance product "White Strip" has been upgraded. After the upgrade, the "white card" will be updated from an Internet credit payment product to a credit card product, namely a "white card".
According to "Notes on White Card Service" (hereinafter referred to as "Notes"), "White Card" is the credit card of JD.COM white card users, which is jointly provided by JD.COM white card operators and banks. After the user activates the white card, the original JD.COM white card trading account will be closed, and the transaction will be paid and settled by the white card. JD.COM Baitiao's unexpired business will continue to be handled by JD.COM Baitiao.
According to the notice, JD.COM IOUs operators only provide IOUs card online application and related credit card inquiry, use, repayment, installment and other functional services, and credit card verification standards, limits, interest calculation and account management are subject to the bank's system norms and the agreement signed between users and banks.
When upgrading the "white card", users can choose to apply for UnionPay Platinum Cards from Ping An Bank, Guangfa Bank and Bank of Ningbo. Combined with the contents of the Notice, it is clear that all the small consumer loans provided by "White Card" to users come from the above three banks, which meets the regulatory requirements for financial rectification of Internet platforms.
Whether to open JD.COM White Card is related to the individual needs of users. If the user does not have enough funds when purchasing goods on the relevant platforms in JD.COM, and needs to pay by installments, he can open a JD.COM IOUs. Users who use white bars can enjoy an interest-free period of up to 30 days or a maximum of 24 installments, and some goods are not charged any handling fee during the installment period.
If the user opens the white strip and does not use it, then there is no charge. Therefore, users need to choose whether to open it according to their own needs. If you want to know whether the white strip is worth it, you can first understand the consumption scene. At present, IOUs can be used in many fields of JD.COM system, such as global purchase, product crowdfunding, renting, tourism, decoration and other fields. In addition to installment consumption, some users also support cash withdrawal, which is very convenient to use.
If you want to write a blank, the system will judge the user's qualification according to the user's shopping habits, credit status, the stability of the receiving address and other factors, give a certain credit line, or refuse to open it. It should be noted that the use of white bars is for credit reporting at the meeting, and it is necessary to check the credit reporting when opening.
In fact, JD.COM White Card is developed on the basis of White Card, which belongs to the category of credit card. It's just a joint credit card of IOUs and other banks, so its essence is a credit card, but the amount is related to your IOUs, and you can enjoy some benefits of IOUs after application.