Can I repay Jingdong Baitiao with a credit card?
Yes, but Jingdong Baitiao cannot be repaid with a credit card. It is to consume first and then repay, which is used to allow users to make overdraft consumption. In a certain sense To put it bluntly, Jingdong Baitiao is a virtual credit card, so it cannot be used to pay off the credit card.
1. Swiping your card on a POS machine is the most common way to use a credit card, and it is a way of swiping your card online. When swiping a card, the operator should first check the credit card's validity period and cardholder's last name and other information. Then, select the corresponding POS machine according to the card issuing bank and the currency type to be paid, and slide the magnetic stripe of the magnetic stripe credit card on the POS machine, or insert the chip credit card into the card slot, connect to the bank, etc. for payment, and enter the corresponding amount. After the remote payment accepts the information, the POS will print out a receipt for the card payment (at least two copies). The cardholder should sign the receipt after checking that the information on the payment receipt is correct. After the operator checks the signature on the receipt and the signature on the back of the credit card (including that the name completely matches and the handwriting basically matches), the operator gives the credit card and a copy of the card payment receipt to the cardholder. At this point, the card swiping procedure on the POS machine is completed.
2. Slapping the card on the RFID machine is a new type of credit card usage, and it is also a networking method. When tapping a card, the operator should first check the credit card's validity period and cardholder's last name and other information. Then, select the corresponding card machine according to the card issuing bank and the currency type to be paid, enter the corresponding amount, and place the credit card flatly no more than 10cm above the sensor. The RFID machine will emit a signal after sensing the credit card, and then continue the operation process. After the remote payment accepts the information, the printer (if connected) will print out a receipt for tap-card payment, but unlike the previous method, the cardholder does not need to sign, such as The previous method is faster and more convenient. At this point, the card sensing program on the RFID machine is completed.
3. Manual order pressing is usually used when there is no POS machine or the Internet is not available. The order pressing operation must have a pressure-sensitive copy of the "direct purchase order" (at least two copies) and a telephone number. The inspection work before pressing the order is the same as that of the POS machine. Then, the operator will use the credit card pressing device to print the embossed name and name on the credit card onto the purchase form, and write the amount, date and other information, and then call the acquiring bank's authorization hotline to report the card information and apply for authorization. And write the authorization code obtained on the purchase form, and then the cardholder signs it after confirming it is correct. After the operator checks the signature, he hands the credit card and purchase order copy to the cardholder. At this point, the manual order pressing process is completed. Authorization calls are usually made immediately. In some areas with poor communication or good credit ethics, merchants may encounter situations where the merchant will deliver the goods to complete the transaction after pressing the customer's signature. The authorization will be completed in the future, but the merchant is at risk of encountering the credit card (if the customer pays with an invalid card, it will not be discovered immediately without applying for an authorization code immediately).
Can JD Baitiao be repaid with a credit card?
Many friends know that some credit cards can be used to repay JD Baitiao, so some friends think that the two are interoperable. Since credit cards If you can repay Bai Tiao, then Bai Tiao should also be able to repay the credit card. But in fact, Baitiao cannot repay the credit card. Friends who want to know why can come and find out together.
JD Baitiao is an Internet consumer credit product from JD Finance, which is a type of virtual credit card. You can use it to purchase goods on JD Mall and then repay Baitiao.
This product also has one thing that other products do not have, that is, you can use the credit cards of some banks to repay, such as the credit cards of China Everbright, Minsheng, and CITIC Bank. By making a IOU at JD.com and paying it back with a credit card, the original 30-day interest-free period can be extended to 80 days. It’s cool to think about it.
ps: By the way, a friend said that when he used his CITIC credit card to pay back the IOU, he was sometimes unable to repay. This is probably related to the goods you purchased in the mall. He would like to know the detailed reason. , please refer to this article
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Although credit cards can be used to repay IOUs, it is not feasible to use IOUs to repay credit cards. The reason is that the two are different in nature.
Jingdong Baitiao is a financial product of Jingdong, while credit cards are products issued by banks. Because Jingdong has a cooperative relationship with banks, it can use credit cards to repay Baitiao.
For banks, the ultimate purpose of issuing credit cards is for bank consumption, and repaying Baitiao is also an alternative way of consumption, but it does not support Baitiao to repay credit cards. After all, there is no other credit The product comes with a credit card.
If you insist on using JD.com’s products to repay your credit card, I would like to introduce you to a JD.com gold bar, which is a JD.com financial credit loan product. This type of product can be directly transferred to a bank card. Likewise, You can also pay off your credit card.
Friends who want to know how to use Jingdong gold bars to repay credit cards can read this article
Why can Jingdong Baitiao be repaid with credit cards?
Baidiao has gradually shut down the credit card payment function. Currently, Baitiao bills do not support the use of credit cards for repayment. Please choose to pay with a debit card or pocket money.
To repay Baitiao with pocket money from Xiaojinku, you need to complete the real-name authentication of your JD account and JD Wallet, and the real name of the security center must be consistent with that of JD Wallet before the JD Xiaojinku payment icon can be displayed. If the conditions are not met, Baitiao will be refunded. The JD.com payment icon will not be displayed when making a payment.
Jingdong Baitiao repayment:
Jingdong Baitiao has two repayment methods: manual repayment and automatic repayment. The specific operation steps are as follows:
1. Automatic Repayment: After the automatic repayment service is enabled in the order form, the system will automatically deduct the payment one day before the final repayment date of each order. After the automatic repayment service is enabled on the billing note, the system will automatically deduct the amount from the bill issued and pending repayment on the day before the repayment date. The automatic repayment paths set by the order system and the bill system are the same.
1. Computer: My Assets - My Baitiao - Activate Automatic Repayment
2. Mobile: Baitiao - Baitiao Amount - Settings - Automatic Repayment
2. Manual repayment
1. Manual repayment based on billing instructions, including three repayment methods: "repayment on bills issued", "repayment on bills not issued" and "pay off in full" , both the computer side and the APP side support repayment operations.
①. Repayment of bills issued
Computer operation path: JD Finance homepage - My assets - My IOU - Bills issued - Repay immediately
< p>JD Finance APP operation path: JD Finance APP home page - Bai Tiao - Bai Tiao available quota - X monthly bills - one-time repayment②, repayment of outstanding bills
Computer operation Path: JD Finance Home Page - My Assets - My Bai Tiao - Unpaid Bills - Early Repayment
JD Finance APP Operation Path: JD Finance App Home Page - Bai Tiao - Bai Tiao Available Amount - All Pending - Unpaid Pay off the account - pay off in advance (click on partial repayment to manually enter the repayment amount, the partial repayment amount cannot be less than 10 yuan)
③. Pay off all
Computer operation path : JD Finance Home Page - My Assets - My Bai Tiao - Unpaid Bills - Pay Off All
JD Finance APP Operation Path: JD Finance App Home Page - Bai Tiao - Bai Tiao Available Amount - All Pending - One Time Repayment (Click on Partial Repayment to manually enter the repayment amount, and the partial repayment amount cannot be less than 10 yuan)
2. Manual repayment by making an order note, you can choose to repay a single order separately, or you can repay multiple orders Consolidate repayment for all orders.
①. Consolidated repayment on the computer: My assets - My IOU - Repayment pending in the past 7 days
②. Single order repayment on the computer: My assets - My Baitiao - Pending repayment, select the order repayment that needs to be repaid
③. Mobile repayment: JD Finance APP - Baitiao - Pending repayment in the past seven days/Pending repayment this month - All pending repayment , you can choose to pay multiple orders together or pay them individually.
Can JD Baitiao be repaid with a credit card?
Baidiao has gradually shut down the credit card payment function. Currently, Baitiao does not support the use of credit cards for repayment. Please choose debit card payment.
After making an IOU on JD.com, there are two repayment methods: manual repayment and automatic repayment. The specific steps are as follows:
1. Automatic repayment:
Order After Baitiao turns on the automatic repayment service, the system will automatically deduct the payment one day before the final repayment date of each order. After the automatic repayment service is enabled on the billing note, the system will automatically deduct the amount from the bill issued and pending repayment on the day before the repayment date. The automatic repayment paths set by the order system and the bill system are the same.
1. Computer: My Assets - My Baitiao - Activate Automatic Repayment
2. Mobile: Baitiao - Baitiao Amount - Settings - Automatic Repayment
2. Manual repayment
1. Manual repayment based on billing instructions, including three repayment methods: "repayment on bills issued", "repayment on bills not issued" and "pay off in full" , both the computer side and the APP side support repayment operations.
①. Repayment of bills issued
Computer operation path: JD Finance homepage - My assets - My IOU - Bills issued - Repay immediately
< p>JD Finance APP operation path: JD Finance APP homepage - Bai Tiao - Bai Tiao available quota - X monthly bills - one-time repayment②, repayment of outstanding bills
Computer operation Path: JD Finance Home Page - My Assets - My Bai Tiao - Unpaid Bills - Early Repayment
JD Finance APP Operation Path: JD Finance App Home Page - Bai Tiao - Bai Tiao Available Amount - All Pending - Unpaid Pay off the account - pay off in advance (click on partial repayment to manually enter the repayment amount, the partial repayment amount cannot be less than 10 yuan)
③. Pay off all
Computer operation path : JD Finance Home Page - My Assets - My Bai Tiao - Unpaid Bills - Pay Off All
JD Finance APP Operation Path: JD Finance App Home Page - Bai Tiao - Bai Tiao Available Amount - All Pending - One Time Repayment (Click on partial repayment to manually enter the repayment amount, and the partial repayment amount cannot be less than 10 yuan)
2. Manual repayment by making an order note, you can choose to repay a single order separately, or you can repay multiple orders Consolidate repayment for all orders.
①. Consolidated repayment on the computer: My assets - My IOU - Repayment pending in the past 7 days
②. Single order repayment on the computer: My assets - My Baitiao - Pending repayment, select the order repayment that needs to be repaid
③. Mobile repayment: JD Finance APP - Baitiao - Pending repayment in the past seven days/Pending repayment this month - All pending repayment , you can choose to pay multiple orders together or pay them individually.
This is the end of the introduction about Jingdong Baitiao’s ability to repay credit cards and Jingdong Baitiao’s methods of repaying credit cards. I wonder if you found the information you need?