1. Increase liabilities

In JD.COM, when white stripes are activated, people will take responsibility if they use them for shopping. From now on, you need to repay the loan on time every month. If everyone's debts are heavy, it will affect the mortgage and car loan from the bank in the future.

2. There is a risk of overdue

There is no need to activate the white stripes in JD.COM, and there is a risk of overdue after use. JD。 The IOUs of COM have a fixed repayment date. Once everyone fails to repay on time, it is overdue and will leave a stain on the credit information.

extravagant

After JD. The IOUs of COM are activated, and many people will blindly over-consume, causing repayment pressure on themselves. Moreover, the use of JD.COM IOUs will generate certain interest.

Second, the benefits of activating JD.COM white bars.

1. Accumulate personal credit

JD.COM, after the IOU is activated, if everyone can use the money to repay the loan in strict accordance with the contract, the credit information of the central bank will leave a good loan record. In the future, everyone can enjoy more financial services with a good loan record.

Manage wealth

Sometimes, shopping with JD.COM IOUs can avoid paying interest. But you can use the cash you earn to buy wealth management products and earn income for yourself.

Improve your life.

JD.COM IOUs support shopping first and then paying. If everyone can use JD.COM White Bar reasonably after activating it, it will help everyone to enjoy a quality life in advance.

“JD。 COM White Strip is the first Internet credit payment product in the industry, which allows users to enjoy the consumption experience of "consumption first, payment later, real-time approval and arbitrary installment", and quickly becomes an industry model, laying the leading brand position of Jingdong Finance in the consumer finance industry.

In positioning, "JD. COM White Strip is a credit payment service for users with high credit rating and consumer demand through the credit evaluation of big data. Users can enjoy the service of paying first and shopping in installments in JD.COM Mall, with a maximum of 24 installments. Bills can also be repaid in installments, with the lowest repayment rate and lower execution rate than bank credit cards. Jingdong Finance Consumer Finance has opened more than 1 100 million users.