Is JD.COM IOUs the same as credit card installment payment? Which is suitable for JD.COM white stripes or credit card installment?

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Compared with credit card installment, which is more cost-effective in JD.COM?

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JD.COM Baitiao Stage

Credit card installment payment

The above data are for reference only, subject to the latest announcement of the bank.

Judging from the installment fee, the fee for JD.COM IOUs is 0.5%- 1%, and 0.03% of the liquidated damages will be paid for the overdue repayment every day; However, the credit card handling fee is 0.6%- 1.5%, and a penalty of 0.05% will be paid every day if the loan is not repaid.

From the interest-free period, the longest interest-free period of credit cards is 56 days; JD.COM IOUs have a 30-day interest-free period. As JD.COM IOUs support credit card repayment, the longest interest-free period is 86 days if you skillfully use credit cards to repay JD.COM IOUs. We can see that the interest-free period of JD.COM IOUs is bright now.

Considering the installment fee, liquidated damages and interest-free period, JD.COM IOUs are more cost-effective than credit cards. Since JD. COM White Stripes only supports the purchase of self-operated products of JD.COM Mall, and does not support the products of third-party sellers or the purchase of virtual products for the time being. JD.COM White Stripes are not as widely used as credit cards!