Do I have to use a credit card for JD.COM IOUs? Only the savings card

JD.COM IOUs don't have to use credit cards, but they can be bound with savings cards or credit cards.

The application conditions for JD.COM IOUs are as follows:

1. Real-name authentication users in JD.COM, Chinese mainland residents aged between 18 and 6.

2. The account number is comprehensively evaluated by the system, mainly based on the number of transactions and the number of goods purchased by the user.

3. bank cards are bound, but only some savings cards and credit cards of some banks can be supported.

JD.COM IOUs only require the binding of bank cards, which can be divided into savings cards and credit cards, but there is no restriction that they must be bound with credit cards, so it is also possible to bind savings cards.

As long as you fill in the name, ID number and common address in the online banking wallet and bind the real-name authentication of the bank card, you can activate the IOUs in JD.COM IOUs activation service. This bank card can be a savings card or a credit card.

Extended information

JD.COM White Bar is a brand-new payment method of "consumption first, payment later" introduced by JD.COM. When you use white bars to make payment on JD.COM website, you can enjoy a deferred payment period of up to 3 days or a payment by installments of up to 24 installments. It is the first Internet consumer financial product in the industry.

JD.COM Baitiao has also opened up O2O (from JD.COM to Home), global purchase and product crowdfunding within the JD.COM system, and then gradually covered the fields of renting, tourism, decoration, education, wedding and so on, extending from credit purchase service to providing credit consumption loans, covering more consumption scenarios and providing credit consumption services for more consumers.

The repayment form of JD.COM IOUs is as follows:

If not in installments, JD.COM IOUs can postpone payment after 3 days, and no rate will be generated. Staging service can be divided into 3, 6, 12 and 24 phases. The rate standard is .5%-1.2%, and the penalty rate is .5%/ day.

repayment can be made through the PC and client of mobile phone jingdong finance, jingdong wallet client and baitiao official website.

can JD.COM IOUs only be bound to credit cards?

you can use a savings card and a credit card to activate JD.COM IOUs. The specific types of bank cards you support should be based on the actual display when you activate them. If the page prompts that you need to use a credit card, you must use it, and there is no human intervention. It is suggested to try to activate or maintain a better consumption record after handling a supportable bank card, and follow up.

the ways to activate the common white note are as follows:

1. Activate the white note on the computer side

Operation path on the computer side: Jingdong Finance Home Page-White Note-Activate White Note

①. Log in to Jingdong Finance, enter the white note home page and click "Activate White Note"

②. Click the activation white note prompt to scan the QR code to download the Jingdong Finance APP for activation.

2. activate the white note of jingdong financial App

operation path: jingdong financial App home page-white note-activate immediately

①. log in to jingdong financial App, click the white note column and enter the white note activation process

②. click activate immediately. If there are white note places left on that day, you can grab the quota. If there are no quotas on that day, please try to get the quota again the next day. The quota is valid on the same day. Click Start to apply and accept the relevant agreement, and then follow the steps on the page to complete the activation.

3. Small amount of quick credit

The small amount of quick credit for white stripes refers to the store supported by customers under the white stripe flash payment line, which enters a quick white stripe account by scanning the code and obtains a temporary experience quota. The experience quota is valid for 7 days. If the user uses this quota to spend white stripes (unlimited times and amount) within 7 days, the experience quota will be converted into a user fixed quota. The specific fixed quota is subject to the display on the front page of the customer. If there are no related promotional items in the store, it is still recommended that you use Jingdong Financial APP or try to activate it on the PC side.

Tips: The activation result of white stripes is determined by the system based on the comprehensive evaluation of the materials you filled in, so manual intervention is impossible. If the system prompts "I can't provide you with white stripes service temporarily", it means that you can't use white stripes temporarily, and frequent operation may affect the success rate. If your activation result page prompts that you can buy a wealth management blank or apply for a small white card blank, you can also try to follow the prompts. The following are some suggestions for the opening of IOUs:

1. Increase and maintain a better consumption record in JD.COM;

2. Purchase and use the wealth management products and services of Jingdong Finance;

3. Open Xiaobai Credit and improve Xiaobai Credit Score;

4. Try activation twice a month, and don't operate frequently.

which bank cards and credit cards does JD.COM IOUs support?

You can use savings cards and credit cards to activate JD.COM IOUs, but at present, we only support some users to activate with savings cards. Please refer to the actual display when you activate IOUs.

the reference path for activating the white note operation:

jingdong financial App home page-white note-activate immediately, and follow the prompts on the page.

The conditions for the activation of white stripes in JD.COM are as follows:

At present, the application for white stripes service is open to Jingdong members, and Chinese mainland residents over the age of 18 can try to apply for white stripes, and they can enjoy the white stripes service after the application is passed. At present, only one white account can be activated for the same ID card and the same mobile phone number.

what is a white stripe in JD.COM? Do I need a credit card to apply? Is a debit card okay?

1. White stripes are a brand-new payment method of "consumption first, payment later" introduced by JD.COM. You can use white stripes to make payment on JD.COM website, and you can enjoy deferred payment within the account period or payment by installments of up to 24 installments.

2. Debit cards and credit cards can be used to activate IOUs. The specific types of bank cards supported are subject to the actual display when you activate them.

The common activation ways of IOUs are as follows:

1. Computer-side activation IOUs

Computer-side operation path: JD Finance Home-IOUs-Activation IOUs

2. JD Finance App Activation IOUs

Operation path: JD Finance App Home-IOUs-Immediate Activation

What credit cards does JD.COM IOUs support?

which credit cards does JD.COM IOUs support? A list of banks supported by JD.COM IOUs

When friends apply for JD.COM IOUs, they know that the application is to bind savings cards or credit cards, but not all banks support it. So the question is, which banks does JD.COM IOUs support? Can I use CMB Bank Card? Are savings cards and credit cards the same bank? What are the criteria?

1. JD.COM Baitiao does not support banks such as China Merchants Bank and Bank of Communications

Although these two banks issue a large amount of cards, the cooperation between merchants and banks requires an agreement. If no agreement is reached, it will be restricted. Please understand the operation mode of the business community.

2. JD.COM Baitiao has restrictions on banks and locations

JD.COM Baitiao supports the use of bank cards and credit cards in most banks at present, and some local banks may not support it. Without it, it cannot be bound. JD.COM White Bar cannot be activated without binding. Therefore, small partners should first look at whether they have a supported bank card before applying.

3. Bank cards supported by JD.COM IOUs

Savings cards: (Only invited users can use savings cards)

China Construction Bank, Agricultural Bank, Shanghai Pudong Development Bank, China Banking Corporation, Shanghai Bank

Hangzhou Bank, China Guangfa Bank, China Bank, Huaxia Bank and Industrial Bank

Credit cards:

Industrial and Commercial Bank of China, China Construction Bank and Industrial Bank. Bank of Hangzhou, Bank of Nanjing and Guangfa Bank

I have something to say: compared with bank card payment, JD.COM IOUs can save half the time, and the cost is .3% lower than that of credit card shopping, which is still very good. I believe that with the further development of IOUs in JD.COM, more and more banks will be supported, so it is necessary to understand that there is no credit card to use JD.COM IOUs ~

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you can use JD.COM white stripes without a credit card.

JD.COM White Bar is the first Internet consumer financial product in the industry. "Pay first, then pay", enjoy a maximum interest-free period of 3 days and a maximum of 24 installments. Log in to baitiao official website or Jingdong Financial APP- Baitiao, and you can enter the page to apply for activation independently. Users of JD.COM Mall are eligible to activate the "white note" for mall consumption.

According to the person in charge of risk control of Jingdong Finance Consumer Finance Division, there is no credit for consumer finance business that needs manual approval, and users are identified through the risk control big data model. The post-typhoon control system will "identify" users according to shopping habits, credit status, stability of receiving address, etc., combined with various factors and data, and then quickly give the evaluation result of whether the "white strip" can be activated.

Extended information:

JD.COM IOUs were banned by credit cards and accused of "repaying credit with credit":

According to the regulations of the regulatory authorities, personal credit card overdrafts of commercial banks (excluding Huinong credit cards serving "agriculture, rural areas and farmers") should be used in consumption areas, and not in non-consumption areas such as production, operation and investment. Customers can't use credit card overdraft to recharge their payment accounts. Some insiders said that the practices of China Merchants Bank and Bank of Communications are understandable.

JD.COM IOUs can provide customers with two different consumer payment methods, i.e. deferred payment for up to 3 days or installment payment for 3-24 months, and a certain credit line. The products are very similar in function to credit cards, and can be regarded as credit products. If the customer chooses to use a bank credit card to repay the loan, it belongs to the behavior of "repaying the loan with a loan" and there is compliance risk.

The person also pointed out that the ant "Huabai", which is similar in nature to JD.COM's white bars, can't use credit cards to repay the bills, and only supports automatic deduction for quick payment from the user's balance, balance treasure and debit card. Compared with credit card repayment, this practice is more secure. It is worth noting that experts also have different perspectives on the storm caused by the repayment of IOUs.

Some people think that we should face up to the risk of credit card repayment to IOUs. Dong Ximiao, a visiting researcher at Chongyang Financial Research Institute of Renmin University of China, said that although Jingdong Finance indicated that IOUs were products purchased on credit, in terms of actual functions, the characteristics of credit granting, overdraft, repayment and installment can be identified as products like loans or credit cards.

credit rating itself is the threshold to realize early consumption, so there are risks in repaying by credit card. Liu Yinping, a financial analyst at Rong36, pointed out that it is an act of "repaying credit with credit" if you delay payment with JD.COM IOUs, which is indeed illegal. Although it has not been explicitly prohibited by the regulatory authorities, it is wandering in a gray area.

Baidu Encyclopedia-JD.COM Baitiao

People's Daily Online-Why JD.COM Baitiao was banned by credit cards? It is accused of "returning credit with credit"

Let's stop here for the introduction of what credit cards JD.COM Baitiao supports.