Can JD Baitiao be repaid with a credit card? What is the repayment path?

JD Baitiao is a payment method that allows you to consume first and repay later. However, if you do not repay on time, Not only will there be penalties, but you will also be held accountable. So, can Jingdong Baitiao be repaid with a credit card? If so, what is the repayment path?

Can JD Baitiao be repaid with a credit card?

When applying for JD Baitiao, you must bind a credit card or debit card. This is not for payment, but for repayment services. . However, JD Baitiao has gradually closed down the repayment function for JD Baitiao using credit cards.

How to repay Jingdong Baitiao?

1. After logging in to JD.com, click My JD.com, select JD Baitiao in the left navigation bar, and enter the Baitiao query page;

2. Click the button in the red box on the page to merge Payment;

3. Select all or part of the order to pay, or pay for a certain period in the bill details;

4. After clicking the Pay Now button, the page jumps to JD.com At the financial cashier, select a savings card to complete the repayment operation.

The above is a compilation of all the content about Jingdong Baitiao’s credit card repayment for your reference.

You can apply for various credit cards quickly and safely.

How to repay JD.com after paying with I-Tiao?

Since JD.com’s I-Tiao payment, many people will choose I-Tiao to pay when shopping in JD.com. I-Tiao has become a favorite of most JD shoppers. First of all, how can Jingdong pay back the money after issuing an i-note? Let me give you the answer below.

Jingdong Baitiao repayment method

1. Automatic repayment

Log in to Jingdong Mall APP-My-Baidiao-Repayment-Automatic repayment at the bottom -Agree-Enable automatic repayment by entering the password to enable it.

2. Active repayment

If the automatic repayment function is not enabled, you need to repay it on time. Jingdong supports two repayment methods: credit card and bank card.

3. Installment repayment

Whether you are within the interest-free period or outside the interest-free period, you can choose to repay in installments. However, if you choose to repay in installments, you will need to charge a certain fee. Interest, but the installment interest of JD Baitiao is relatively lower than the installment interest of credit card.

Warm Tips

(1) Jingdong Baitiao is a bill-based repayment method. The consumption amount will be combined into one bill every month. After the bill comes out, within 9 days, Just pay it back inside.

(2) The billing date is determined based on the individual. For registered old users, it is the date on the ID card, and for new users, it is determined based on the Baitiao activation time.

For example

The birth date of the ID card information you uploaded is January 18, 1995, then your bill date will be the 18th of each month.

If you are a newly registered user and activated Baitiao on April 13, 2018, your billing date will be the 13th of each month.

How to repay Jingdong Baitiao

If the user uses the mobile APP to repay:

1: Open the mobile Jingdong software and log in to the personal account;

2: Click "My" in the lower right corner;

3: Click the "White Tiao" option;

4: After entering Baitiao, you can see the options for current personal bill details. Click in;

5: Find the immediate repayment option and click on repayment.

Jingdong Baitiao's repayment methods:

1. Installment repayment. If the user borrows too much and is unable to repay it all at once, then the user can choose to pay in installments. However, generally using installment payment will generate a certain amount of interest, but users can rest assured that the interest rate of JD Baitiao is lower than that of credit cards.

2. Automatic repayment. If users are afraid of forgetting the repayment date, they can choose automatic repayment if they can ensure that the credit card bound to JD Baitiao has sufficient balance to repay.

Users only need to apply for automatic repayment from the Baitiao system and complete the operation according to the system prompts. Afterwards, the system will automatically deduct the current amount that the user needs to repay every time the repayment date arrives.

3. Active repayment. If the user does not activate automatic repayment, then he or she needs to log in to JD.com to complete the repayment when the monthly repayment date arrives. Users must clearly remember their monthly repayment dates to avoid overdue payments due to forgetfulness.

Can JD Baitiao be repaid with a credit card?

Many friends know that some credit cards can be used to repay JD Baitiao, so some friends think that the two are interoperable. Since credit cards If you can repay Bai Tiao, then Bai Tiao should also be able to repay the credit card. But in fact, Baitiao cannot repay the credit card. Friends who want to know why can come and find out together.

JD Baitiao is an Internet consumer credit product from JD Finance, which is a type of virtual credit card. You can use it to purchase goods on JD Mall and then repay Baitiao.

This product also has one thing that other products do not have, that is, you can use the credit cards of some banks to repay, such as the credit cards of China Everbright, Minsheng, and CITIC Bank. By making a IOU at JD.com and paying it back with a credit card, the original 30-day interest-free period can be extended to 80 days. It’s cool to think about it.

ps: By the way, a friend said that when he used his CITIC credit card to pay back the IOU, he was sometimes unable to repay. This is probably related to the goods you purchased in the mall. He would like to know the detailed reason. , please refer to this article

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Although credit cards can be used to repay IOUs, it is not feasible to use IOUs to repay credit cards. The reason is that the two are different in nature.

Jingdong Baitiao is a financial product of Jingdong, while credit cards are products issued by banks. Because Jingdong has a cooperative relationship with banks, it can use credit cards to repay Baitiao.

For banks, the ultimate purpose of issuing credit cards is for bank consumption, and repaying Baitiao is also an alternative way of consumption, but it does not support Baitiao to repay credit cards. After all, there is no other credit The product comes with a credit card.

If you insist on using JD.com’s products to repay your credit card, I would like to introduce you to a JD.com gold bar, which is a JD.com financial credit loan product. This type of product can be directly transferred to a bank card. Likewise, You can also pay off your credit card.

Friends who want to know how to use Jingdong gold bars to repay credit cards can read this article

How to repay Jingdong Baitiao

The repayment method of Jingdong Baitiao is as follows:

1. You need to open the mobile desktop first, and then find the JD.com APP on the mobile desktop;

2. Click and open, then click the "My" icon in the lower right corner;

3. In the "My" interface, select the white bar on the left side of the wallet bar;

4. Finally, click the pending repayment button on the left and select repayment, and the repayment will be successful.

Jingdong Baitiao can be divided into order-based Baitiao and bill-based Baitiao. The repayment date of order-based Baitiao is not certain and is determined by the user’s order generation date. Orders that choose “no installment” need to be paid at the end of consumption. Repayment must be made within 30 days. Orders that choose "installment" need to repay before the last repayment date of each installment. If there is no corresponding repayment date in the month, it will be the last day of the month. If it is a bill-based IOU, the monthly repayment date is the ninth day of the bill date. For specific information, you can log in to the JD Financial computer client or app to check.

The repayment method of Jingdong Baitiao is divided into installments. If the user borrows too much and is unable to repay it all at once, then the user can choose the installment method. However, generally using installment payment will generate a certain amount of interest, but users can rest assured that the interest rate of JD Baitiao is lower than that of credit cards. Automatic repayment is also possible. If users are afraid of forgetting the repayment date, they can choose automatic repayment if they can ensure that the credit card bound to JD Baitiao has sufficient balance to repay.

Users only need to apply for automatic repayment from the Baitiao system and complete the operation according to the system prompts. Afterwards, the system will automatically deduct the current amount that the user needs to repay every time the repayment date arrives. If the user does not activate automatic repayment, then he or she needs to log in to JD.com to complete the repayment when the monthly repayment date comes. Users must clearly remember their monthly repayment dates to avoid overdue payments due to forgetfulness.

How to repay Jingdong Baitiao

Many young people now shop online on Jingdong, so how to repay Jingdong Baitiao? Jingdong Baitiao is a consumer experience function of Jingdong Mall. If you spend money to buy with credit, you can pay after one month. And if you can pay with a credit card, you can postpone the payment for 2-3 months.

Let me introduce it to you today. After opening JD.com, enter the My page, click on Baitiao, select the unissued bill on the JD.com Baitiao page, click on the credit amount on the bill details interface, and you can see the amount for the next month. For all the bills that should be paid, find the repayment option and click Repay Now;

It will jump to the JD payment page, select the repayment method in the payment method, enter the password and automatically jump to the payment Success page, finally click Finish, Jingdong Baitiao's repayment is successful;

Note:

The repayment time cannot be modified

The repayment time of Jingdong Baitiao Once determined, it cannot be modified.

That’s it for the introduction on how to repay Jingdong Baitiao, I hope it will be helpful to everyone!

This is the end of the introduction about how JD Baitiao pays back a credit card and whether JD Baitiao can pay back a credit card. Did you find the information you need?