There's no danger in opening JD.COM White Strip.
JD.COM White Bar is a payment method of "consumption first, payment later" introduced by JD.COM. You can use White Bar to make payment on JD.COM website, and you can enjoy a deferred payment period of up to 3 days or a payment by installments of up to 24 installments. It is an Internet consumer financial product. IOUs have directly marketed JD.COM's JD.COM-to-home, global shopping and product crowdfunding, covering users' fields such as renting, traveling, decoration, catering and wedding, and extending from online credit purchase service to providing credit consumption loans, providing consumers with numerous credit consumption financial services.
After the user applies for the JD.COM White Bar, the JD.COM Post-Typhoon Control System will "identify" the user according to the user's shopping habits, credit status, stability of the receiving address, etc., combined with various factors and data, and then quickly give the evaluation result of whether the White Bar can be activated, and only those who have obtained the application qualification can successfully open it. Credit cards have advantages in interest-free period, installment payment and the number of periods that can be selected. At the same time, at present, the first batch of public beta in JD.COM White Bar is only open to 5, places, which is not easy to apply for. In addition, the credit line is only used in JD.COM Mall, so it is difficult to impact the ordinary credit card business of banks.
In addition, the user should bind the bank Quexiang Travel Card, so that the user can repay or withdraw cash normally. After these operations are completed, the user can basically open the JD.COM White Slip. Users who apply for IOUs need to meet some conditions, that is, users must be adults at the age of 18-55 when applying for IOUs, which can ensure that the applicants are able to repay their debts and reduce the risk of default. In addition, the user's account information on JD.COM must be perfect, and the user should be authenticated by his real name. I can pass face recognition, so that the background system can know the user better. To use white bars, it is definitely necessary for the platform to know users first, so that it can lend money to users with confidence.
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