At present, JD Finance co-branded cards are divided into two categories: white-striped co-branded cards and city credit cards. Users can choose the corresponding cards to apply according to their own needs.
Applying for a JD Finance co-branded card is no different from applying for a credit card from other banks. It depends on whether the user's credit is good or not to decide whether the application is passed.
whether it is good to apply for a JD Finance co-branded credit card mainly depends on whether the applicant meets the requirements of JD Finance co-branded card application.
For China citizens with good personal credit information, stable income, over 18 years old and full capacity for civil conduct, JD Finance co-branded credit card is relatively easy to apply for.
for users who have poor personal credit information and do not meet other requirements of the bank, it is not easy to apply for a JD Finance co-branded credit card.
Extended information:
Credit card consumption is a non-cash transaction payment method. You don't need to pay cash when you consume, and you can make repayment on the Billing Date.
Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder can spend first and then repay.
quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit.
The credit card generally refers to a debit card only.
according to different card issuers, it can be divided into bank cards and non-bank cards
bank cards. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or withdraw cash at any time at all branches of the issuing bank or places with ATMs.
non-bank card. This kind of card can be divided into retail credit card and travel entertainment card.
Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are dedicated to shopping in designated stores or filling gas stations, etc., and are settled regularly.
Travel and entertainment cards are credit cards issued by service industries, such as airlines and travel companies, which are used for ticket purchase, dining, accommodation and entertainment.
according to different issuers, it can be divided into corporate cards and personal cards
corporate cards. Corporate cards are issued to all kinds of industrial and commercial enterprises, scientific research and education institutions, state party and government organs, military units, organizations and other legal organizations.
personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. Personal cards are applied for in the name of individuals and bear all the responsibilities of using them.
According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.
Ordinary cards. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and their requirements are not high.
gold card. Gold card is an advanced credit card that pays high membership fee and enjoys special treatment.
card issuers are those with high credit, strong repayment ability and credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are much wider, so the requirements for related service fees and guarantee money are also higher.
according to different payment methods, credit cards can be divided into credit cards and quasi-credit cards
credit cards. It is that when the issuing bank provides bank credit, it overdraws first, and then repays or pays by installments. Most of these cards are used in international circulation.
that is to say, the way to allow cardholders to have no repayment in their credit card accounts is "spend first, then deposit". Most of these cards are used in international circulation.
quasi-credit card. It is a credit card issued by the bank, which deposits first and then consumes.
when applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance for backup. The cardholder needs to use the card based on the balance of the deposit, and generally overdraft is not allowed.