Yes, jingdong payment: cross-bank and cross-regional credit card repayment is allowed, and there is no handling fee.

The difference between JD.COM IOUs and credit cards;

1. The collection standards of overdue penalty interest are different:

If the credit card is overdue, even if the cardholder repays part of the debt, the cardholder needs to pay the penalty interest amount of the full debt, and it needs to pay five ten thousandths of the liquidated damages every day to repay the loan in advance; As long as JD.COM's IOUs exceed the final repayment date, they will charge liquidated damages at the rate of three ten thousandths per day. It should be noted here that JD.COM IOUs do not charge full penalty interest.

2. Different installment fees:

The handling fee for each installment payment of JD.COM IOUs is 0.5%, and users can also enjoy the discount of 0.3% handling fee during the promotion period when using IOUs in JD.COM. Generally, most banks charge 0.6% to 1.5% for credit card installment.

3. Different interest-free periods:

Credit cards can provide cardholders with an interest-free period of up to 56 days, while JD.COM IOUs have an interest-free period of 30 days. However, if users use credit cards to repay loans and use reasonable repayment skills, they can enjoy an interest-free period of up to 86 days.

4. Different application conditions:

JD.COM White Strip has relatively loose requirements for opening conditions. As long as users spend more than 6 times in JD.COM, they can open it by binding a credit card in JD.COM; Applying for a credit card requires very strict qualifications of the applicant, which not only requires the applicant to have repayment ability, but also requires the applicant to have good personal credit information. Relatively speaking, it will be easier to apply for IOUs.

5, the scope of use is not the same:

JD.COM white bars can only be used in JD.COM at present, and offline consumption is not supported; Credit cards are widely used, not only for offline shopping, but also for online shopping.

Can I pay by credit card when shopping in JD.COM?

Credit cards can be used in JD.COM Shopping Center, as shown below:

1. First, open the JD.COM client on your mobile phone.

2. Then on the page of JD.COM, select the goods to be purchased and click "Go to Settlement".

3. Next, on the settlement page, fill in your own receipt information and click "Submit Order".

4. Next, on the settlement payment page, select "Other payment methods" indicated by the red arrow.

5. Next, you can choose credit card payment in the list, and finally enter your own payment password for settlement.

Can I pay cash on delivery by credit card in JD.COM?

According to JD.COM official website and JD.COM, cash on delivery supports POS card swiping. However, cash on delivery in JD.COM currently only supports UnionPay cards, so consumers can use UnionPay cards to pay cash on delivery in JD.COM. Cardholders should pay attention to the following points when using credit cards:

(1) Self-control ability when consuming. Although the credit card frees the shackles of consumers and brings them a free consumption experience, for those who have no self-control or have no accurate understanding of their financial situation, credit card consumption will bring serious consequences and make them bear debts that are difficult to pay off.

(2) Careful consumption by stages. Because installment consumption transforms huge consumption amount into small monthly repayment, it greatly reduces the psychological pressure of consumers. This can easily lead to the illusion that consumers can bear more debts, continue to consume, and eventually lead consumers into a debt crisis.

(3) Don't rob Peter to pay Paul. Some consumers will use another bank's credit card to repay after spending a lot of money. Cardholders must avoid this repayment method of robbing Peter to pay Paul. Because the loan needs to repay interest, if it is repaid in this way, the borrower's arrears will continue to rise and the interest will continue to increase. This will lead to less and less available income for borrowers and eventually make ends meet.

JD.COM, can I use a credit card? So much for the introduction.