1. If the amount of IOUs in JD.COM is insufficient, installment payment can be made in the following ways:
1. Enter the JD.COM client and log in to the account.
2. Add the goods to be purchased and click Settlement.
3. Select online payment as the payment method, and then click Submit Order.
4. On the cashier page, click the blank (the word "mixed payment" will appear if the quota is not enough), and click the following combination payment.
5, according to their own needs, choose the right combination (white card, Bai Gang _, white).
6. For example, click blank, and the combination payment defaults to the combination of blank and savings card. Of course, you can also choose to stage.
Second, users can also get a certain amount of temporary credit. When the available temporary credit limit of IOUs is greater than the payment limit of mobile phones, they can purchase mobile phones by stages. Or the user returns a part of the white note in advance, so that the available amount of the white note is greater than or equal to the payment amount of the mobile phone, then the user can also use the white note to purchase the mobile phone in installments.
White-stripe combined payment is only applicable to users who use white-stripe one-time payment. If you pay by installment, you must use all the IOUs.
Operating environment:
Brand model: iPhone 13
System version: iOS 15.0
App version: 8.0. 16
JD.COM IOUs rely on his own small white credit, just like Alipay's sesame credit. At present, individual users on the JD.COM platform generate small white basic credit scores, including some behaviors such as shopping at ordinary times. Xiaobai's basic credit score is 80 points, and the credit limit will not be given until 80 points. Therefore, if your credit limit is 60 points, you may not reach the basic score of JD.COM IOUs.
The basic service concept of JD.COM Baitiao is that when it is used in JD.COM shopping platform, it can enjoy deferred payment of bills or 24 installments. JD.COM IOUs can be understood as the credit card consumption service applied on the shopping platform in JD.COM, and the process is to consume first and then pay. According to JD. COM users can enjoy certain services.
Can JD.COM pay interest-free by credit card installment?
1. You add one or more selected goods to the shopping cart for settlement;
2. Enter the order settlement page, and you can choose the payment method of "installment payment";
3. Here, you can choose the delivery method, use the balance, coupon and JD.COM card and submit the order;
4. When submitting an order, you can select a bank and the number of installments, and then jump to the bank for installment payment after confirming the payment. The specific handling fee will be paid according to the regulations of the bank where your credit card is opened.
Payment amount = installment fee for the total order amount, where the total order amount is the order amount, and the fee is budgeted by JD.COM according to the bank interest rate.
Extended data:
JD.COM credit card installment payment will also charge a handling fee, and the specific provisions shall be subject to the standards of the issuing bank. For example, the number of periods of China Merchants Bank is 3, 6 and 12, and the corresponding handling fees are 1%, 0.7% and 0.5% respectively. Handling fee per period = handling fee rate corresponding to the amount of each period.
JD.COM credit card installment special tips:
1. Before installment payment, the total amount of products you want to buy must not exceed the available credit cards.
2. Any information in the installment order cannot be modified. If you want to modify it, you can only cancel the order and place a new order. Please understand the inconvenience caused by us.
3. Installment orders cannot be merged and modified. Please forgive the inconvenience.
4. When the total amount purchased cannot be divided by the number of installments, the system will automatically round off and split the amount. For example, if you spend 3022 yuan, choose six installments. The monthly repayment for the first five installments is 503.67 yuan, and only 503.65 yuan is needed for the final installment/kloc-0. The total repayment amount remains unchanged at 3022 yuan.
5. You can also participate in the permanent points program by online installment, and accumulate credit card points month by month according to the amount recorded by monthly installment.
6. Online installment payment of China Merchants Bank's credit card occupies your credit line with the total installment amount. Therefore, you need to deduct the total installment amount from your available credit line. With the monthly installment payment, your available quota will gradually recover.
7. You can apply to cancel the order by phone or leave a message in the complaint center. When you apply for a refund, JD.COM will not deduct your handling fee; Part of the refund fee will be refunded according to the refund rate.
For example, if the order amount is 1.200 yuan, choose 1.2 to pay in installments with the rate of 0.5% and the repayment amount of each installment is 1.5 yuan. The relevant refund instructions are: for full refund, JD.COM will refund the user 1.200 yuan, and the bank will refund all the deducted handling fees; In case of partial return, for example, if you return to 400 yuan, JD.COM will return the user to 400 yuan, and the bank will refund 400/12000.5%12 = 0.02 yuan.
8. At present, JD.COM installment orders only support ordinary express delivery.
How to installment credit cards?
How to handle credit card installment payment:
1. Apply by phone, call the customer service of the credit card bank, choose the manual service according to the prompt, and then tell the customer service the installment amount and number of installments you want to apply for, and wait until the application is passed.
2. Online banking, log in to online banking and credit card accounts, select bill inquiry, click bill installment, fill it out completely and submit it for approval.
3. Use WeChat to handle the transaction, add the bank's WeChat service number, and choose to handle the card and installment business according to the page prompts.
4. For bank outlets, you can take your ID card and credit card to the business hall of the bank to get the number directly.
How to make installment payment in JD.COM (an article to understand the rules and operational procedures)
Now that installment payment has been used as a means of commercial transaction, how can JD.COM Mall pay by installment? It is generally believed that installment payment is a form of buying and selling in which the seller pays the seller all the payable price in batches according to a certain period of time. But what needs to be known is that the total amount of installment will be higher than the one-time payment because there is interest in installment. Then I'll tell you how to pay in installments at JD.COM Shopping Center.
First, open the official JD.COM Mall, then log in to JD.COM Mall, select the goods you want to buy on the JD.COM website, click to enter the product details page, some goods will support installment payment, and click the "installment payment" button next to the purchase button;
At this time, a small window will pop up, prompting the three credit card installments supported by JD.COM Mall. Select "Apply for credit card installment" to find out how JD.COM Mall pays by installment, then confirm the order installment information and click "Apply for installment";
Confirm the installment information, whether to choose 3, 6 or 12 to pay off, and "save the installment information" after choosing according to your actual income;
Submit the order information, which lists the interest to be repaid in installments. The fewer stages, the less interest. In JD.COM Shopping Center, we must pay attention to the interest on installment payment. Confirm the delivery information after submitting the order.
This is an introduction to the installment payment process in JD.COM Mall. It should be noted that installment payment in JD.COM Mall requires manual telephone consultation for installment information. Besides, there are many things to pay attention to about installment payment.
What should I pay attention to in installment payment?
Remember the monthly repayment date clearly to avoid liquidated damages or bad credit records due to overdue repayment. No matter how JD.COM Mall pays by installment or other means, the most important thing is to remember to repay the bank on time and pay by installment with a credit card, that is, the bank pays the cardholder in advance, and the cardholder returns the money to the bank in monthly installments. If they don't repay the loan on time, they will be charged the corresponding interest and their credit rating will be affected.
Do what you can. Paying by credit card in installments and spending in advance will easily lead to excessive consumption, so cardholders should carefully weigh whether they really need to buy something before using this business, and don't blindly expand consumption expenditure. Installment payment is not a free purchase. Prepaid consumption will be paid back sooner or later, and consumption should be done according to one's ability.
Before the installment loan, you should read the contract clearly, especially the interest and default clauses. If you want to know how to pay in installments in JD.COM Mall, you should know how much interest or liquidated damages you have to pay according to the contract, so if you don't read it, it will be too late to regret after the loan.
The installment fee is often directly related to the number of installments, so you should choose the most suitable number of installments according to your own situation. Generally speaking, the fewer installments, the less interest, so according to your personal situation, if you have the ability to repay in advance, you can choose short-term installments to reduce interest.
It is necessary to clearly understand the conditions of prepayment and clearly understand the collection and calculation of expenses in advance. Many cardholders are worried about how to pay in installments in JD.COM Mall. If you choose to pay in advance after installment, how to calculate the handling fee? It is understood that if the cardholder prepays, most banks will charge the remaining installment fees as usual, and some banks will even charge the prepayment fees.
Of course, this is something that needs attention in installment payment. Although we know that we pay by installments in JD.COM Mall, credit card installment reduces your payment pressure, and you may need to pay the corresponding interest, so it is better not to pay by installments for the money that can be paid in one lump sum. Moreover, once the repayment is forgotten in installments, the interest will double, resulting in bad credit.
How to use credit card installment payment in JD.COM?
You can open the JD.COM application for temporary storage.
JD.COM credit card direct installment payment can be carried out according to the following steps:
1) Open the official JD.COM Mall, and then log in to JD.COM Mall. Select the product you want to buy on JD.COM website, and click to enter the product details page. Some goods will support installment payment.
2) Click the "Installment Payment" button next to the purchase button. In the pop-up dialog box, you can see that JD.COM supports the installment buttons of China Merchants Bank, China Everbright Bank and Minsheng Bank. Click the "Add to Shopping Cart" button to start placing an order.
3) Click "Go to Shopping Cart for Settlement" button in the new page, and then click "Go to Settlement" button. On the page of viewing order information, you can choose to pay by installment, and click "Modify" on the right side of "Payment and Delivery Method".
4) Check the "installment payment" radio button, then click the "Save payment and delivery method" button, finally click the "Submit order" button, then select the payment bank card and click the "Next" button.
5) Select the number of installments, and then click "Confirm Payment" to complete the installment payment operation of the selected bank in the new page that pops up.
JD。 Credit card installment bank supported by COM: If direct transaction installment is selected, card friends can only choose the credit cards of China Merchants Bank, China Everbright Bank and Minsheng Bank. If not, if you want to use other bank credit cards, you can apply for installment business through bank credit card customer service.
1.JD。 COM's business philosophy: Internationalization brings competition globalization, and the field of e-commerce in China is changing with each passing day. As the flagship enterprise that bears the brunt, JD.COM will inevitably face more intense and even white-hot business competition. Facing the increasingly fierce market competition, JD.COM always tells himself: We should not only strengthen close cooperation with strategic partners, but also cooperate with rivals on the basis of full competition. JD。 COM's understanding of cooperation is win-win cooperation, joint and complementary cooperation, and the "win-win cooperation" brought by cooperation is JD.COM. Seeking development is the eternal concept of COM.
Operating environment:
Mobile phone model: ELS-AN002.0.0.2 12
JD。 COM: 10.3.0
This concludes the introduction of how to buy a mobile phone with a credit card in JD.COM and how to buy a mobile phone with a credit card in JD.COM. I wonder if you have found the information you need?