1. If the amount of IOUs in JD.COM is insufficient, installment payment can be made in the following ways:

1. Enter the JD.COM client and log in to the account.

2. Add the goods to be purchased and click Settlement.

3. Select online payment as the payment method, and then click Submit Order.

4. On the cashier page, click the blank (the word "mixed payment" will appear if the quota is not enough), and click the following combination payment.

5, according to their own needs, choose the right combination (white+savings card, white+steel shovel, white+).

6. For example, click blank, and the combination payment defaults to the combination of blank and savings card. Of course, you can also choose to stage.

Second, users can also get a certain temporary quota. When the temporary amount of IOUs+available amount is greater than the amount paid by the mobile phone, they can purchase the mobile phone by stages. Or the user returns a part of the white note in advance, so that the available amount of the white note is greater than or equal to the payment amount of the mobile phone, then the user can also use the white note to purchase the mobile phone in installments.

White-stripe combined payment is only applicable to users who use white-stripe one-time payment. If you pay by installment, you must use all the IOUs.

Operating environment:

Brand model: iPhone 13

System version: iOS 15.0

App version: 8.0. 16

JD.COM IOUs rely on his own small white credit, just like Alipay's sesame credit. At present, individual users on the JD.COM platform generate small white basic credit scores, including some behaviors such as shopping at ordinary times. Xiaobai's basic credit score is 80 points, and the credit limit will not be given until 80 points. Therefore, if your credit limit is 60 points, you may not reach the basic score of JD.COM IOUs.

The basic service concept of JD.COM Baitiao is that when it is used in JD.COM shopping platform, it can enjoy deferred payment of bills or 24 installments. JD.COM IOUs can be understood as the credit card consumption service applied on the shopping platform in JD.COM, and the process is to consume first and then pay. According to JD. COM users can enjoy certain services.

Can I pay by credit card or bank card if the amount of IOUs in JD.COM is not enough? How to operate specifically?

When JD.COM IOUs buy goods, if the IOUs amount is not enough, you can choose the bank card combination payment method for payment. Credit card installment does not support combined payment, and combined payment only supports white interest-free concessions.

1, enter JD.COM mobile phone.

2. Enter the goods to be purchased and click Buy Now.

3. Select online payment on the order page.

4. Click Submit Order.

5. Select the combination payment of white stripes.

6. Complete the combined payment.

Extended data

1. Consolidated payment succeeded, and the bank card balance was insufficient to pay:

(1) Replace the bank card with sufficient balance or pay by using white stripes.

(2) You can also cancel the order first and buy it later, but you may not be able to enjoy the discount at that time. After the order is cancelled, the white line will be automatically restored.

2. Increase the amount of IOUs:

(1) system cash withdrawal: the white note system will withdraw the amount irregularly according to the account usage, and can pay attention to the cash withdrawal SMS notification at any time;

(2) Receive a fixed cash withdrawal package: log in to Jingdong Financial App to receive a weekly cash withdrawal package.

References:

Jingdong Finance-What if the amount of IOUs is not enough when buying goods?

References:

Jingdong finance -JD.COM frequently asked questions about IOUs

References:

Jingdong Finance —— How to raise the limit of IOUs?

What should I do if the mobile phone quota in JD.COM is not enough? Is there any other way to stage it?

When using JD.COM IOUs to spend in JD.COM Mall, if the amount is not enough, you can choose a combination payment method, including IOUs plus the balance of Jingdong Small Treasury, Bank Card and Jingdong Wallet. White coupons can be used for combined payment, but only white coupon interest reduction is supported.

The operation steps are as follows:

1, JD.COM mall computer:

After submitting the order, the cashier interface is as follows:

At this time, you will be prompted how much money you still need. Please continue to choose other payment methods:

After selecting more payment methods, check the available payment methods:

You can also choose to pay by installment:

APP end of 2.JD.COM Mall: After submitting the order, the cashier interface is as follows, and the required combined payment will be displayed in the blank space:

After choosing a new card to pay according to the prompt, you can make a combined payment:

When paying in combination, you can also choose to pay in installments:

You can also choose whether to use the white-striped discount (only white-striped interest reduction discount is supported):

Interface after use: