The installment service fee rate of JD.COM IOUs is between 0.5%- 1.2%, and the installment service fee of each installment = consumption principal × installment service fee rate (month). At present, the client does not display the bill installment rate, but after you select the bill installment, there will be a trial amount of each service fee for your reference.
For example, after paying the bill, Xiao Ming sees that his bill this month is 1000 yuan. Because he just paid the rent and was a little short of money, he chose to repay in three installments, taking the installment interest rate of 0.7% as an example. Then his handling fee for each issue is:
10000.7%=7 yuan
Starting from the next issue, Xiao Ming only needs to return this issue to 340 yuan.
Second, how to use the JD.COM White Voucher Repayment Certificate?
The Use of White Debit Repayment Voucher in JD.COM;
1, repayment station
2. Every discount will reduce the repayment in full.
3. Repayment discount and full repayment discount cannot be used at the same time.
“JD。 COM White Strip is an industrial product, which allows users to enjoy the consumption experience of "consumption first, payment later, real-time approval and arbitrary installment" and experience Jingdong Finance in the consumer finance industry.
In positioning, "JD. COM White Strip is a credit evaluation through big data, which is characterized by high credit rating and large consumption expenditure. Users can provide up to 24 business services in JD.COM, and the bills can be repaid in installments with the lowest repayment rate, and the execution interest rate is lower than that of bank credit cards. Jingdong Finance Consumer Finance has opened more than 1 100 million users.
Since then, the "White Strip" has also opened up the O2O(JD.COM to Home) within the JD.COM system, covering various fields such as renting, tourism, decoration, education, wedding and so on, covering more consumption scenarios and providing credit consumption services for more consumers.
The service scene of JD.COM IOUs has been gradually extended, with nearly 10 million merchants online and offline, covering joint electronic accounts such as life and entertainment, business travel, education and training. White payment extends to offline through NFC technology, and further broadens the usage scenarios of white payment by binding WeChat payment.
As the first Internet consumer financial product in the industry, it began to be used by users in JD.COM Mall, actually relying on JD.COM Mall to provide users with credit purchase services. In April of 20 15, "Baitiao" opened up O2O(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, etc., extending from credit house purchase service to providing credit loans to provide services for more consumers.
2065438+March 2006, JD Finance, a cash loan service tailored for IOUs with good credit, is an extension of IOUs credit in the cash consumption scenario.
JD.COM Gold Bar adopts differentiated credit, with a high credit line of 200,000 yuan and the longest service, and the daily interest rate does not exceed 0.05%.
On August 20 16, the white stripes were merged into jingdong wallet. As an important channel entrance of Jingdong wallet, there are many scenes of white stripes, such as sogou, Yansha Mall and Jingkelong Supermarket.
In addition, Baitiao also cooperated with China CITIC Bank and China Everbright Bank to launch joint credit cards, also known as "small white cards". This is an "Internet" credit card, which is sought after by young people born in 1990s. It is a credit card, which further embodies the rights and interests of the bank's credit connector, online and offline.
Third, how to use JD.COM white stripes?
1. Enter JD.COM, select mine at the bottom, and then click the white bar in the middle.
2. Select Quick Activation, fill in personal information to activate the white note, and click the white note again when you return to check the available amount of the white note.
3. When using, select the goods to be purchased, and choose to place an order immediately.
4. Select the staging method, leave it blank, enter the password and SMS verification code to complete the payment.