I don't have a credit card, but I want to apply for JD.COM IOUs. What should I do? Do I have to use a credit card?

you can use a savings card and a credit card to activate JD.COM IOUs. The specific types of bank cards you support should be based on the actual display when you activate them. If the page prompts that you need to use a credit card, you must use it, and there is no human intervention. It is suggested to try to activate or maintain a better consumption record after handling a supportable bank card, and follow up.

the ways to activate the common white note are as follows:

1. Activate the white note on the computer side

Operation path on the computer side: Jingdong Finance Home Page-White Note-Activate White Note

①. Log in to Jingdong Finance, enter the white note home page and click "Activate White Note"

②. Click the activation white note prompt to scan the QR code to download the Jingdong Finance APP for activation.

2. activate the white note of jingdong financial App

operation path: jingdong financial App home page-white note-activate immediately

①. log in to jingdong financial App, click the white note column and enter the white note activation process

②. click activate immediately. If there are white note places left on that day, you can grab the quota. If there are no quotas on that day, please try to get the quota again the next day. The quota is valid on the same day. Click Start to apply and accept the relevant agreement, and then follow the steps on the page to complete the activation.

3. Small amount of quick credit

The small amount of quick credit for white stripes refers to the store supported by customers under the white stripe flash payment line, which enters a quick white stripe account by scanning the code and obtains a temporary experience quota. The experience quota is valid for 7 days. If the user uses this quota to spend white stripes (unlimited times and amount) within 7 days, the experience quota will be converted into a user fixed quota. The specific fixed quota is subject to the display on the front page of the customer. If there are no related promotional items in the store, it is still recommended that you use Jingdong Financial APP or try to activate it on the PC side.

Tips: The activation result of white stripes is determined by the system based on the comprehensive evaluation of the materials you filled in, so manual intervention is impossible. If the system prompts "I can't provide you with white stripes service temporarily", it means that you can't use white stripes temporarily, and frequent operation may affect the success rate. If your activation result page prompts that you can buy a wealth management blank or apply for a small white card blank, you can also try to follow the prompts. The following are some suggestions for the opening of IOUs: 1. Increase and maintain a better consumption record in JD.COM; 2. Purchase and use the wealth management products and services of Jingdong Finance; 3. Open Xiaobai credit and improve Xiaobai credit score; 4. Try to activate it twice a month, and don't operate it frequently.

How to apply for a white note in JD.COM

If you have a credit card, go to the white note activity page of Jingdong Financial Channel, click the button "Grab a white note and win free of charge", and you can get the "white note" qualification after doing the task binding. Users who don't have a credit card, go to the white note activity page of Jingdong Financial Channel, click the button "Grab the white note to win the free ticket" and choose to make an appointment to apply for it.

JD.COM White Bar is the first Internet credit payment product in the industry, which allows users to enjoy the consumption experience of first consumption, then payment, real-time approval and arbitrary installment, and quickly becomes an industry model, laying the position of Jingdong Finance as a leading brand in the consumer finance industry.

in terms of positioning, JD.COM baitiao is a credit payment service that carries out credit evaluation through big data and provides users with high credit rating and consumer demand.

In JD.COM Mall, users can enjoy the services of first use and then payment and installment shopping, up to 24 installments at the longest, and the bills can be repaid in installments and at the lowest repayment rate, and the execution interest rate is lower than that of bank credit cards. Jingdong Financial Consumer Finance has opened more than 1 million users.

can I apply for JD.COM IOUs without a credit card?

users who don't have a credit card (debit card) can also apply for JD.COM IOUs. When opening a credit card (debit card), you need to use a bank card to complete the authentication. Users who don't have a credit card (credit card) can use a debit card to complete the authentication. However, at present, only some users are supported to use debit cards to activate IOUs. If the page cannot select debit card to activate the white stripe, then the user must use credit card (debit card) to complete the activation.

subsequent IOUs will promote debit cards to activate IOUs, and users will activate IOUs with credit cards (debit cards) or debit cards, with the same results.

How can I open JD.COM White Bar without a credit card

Debit cards and credit cards can be used to activate JD.COM White Bar, and some users can also use savings cards without a credit card. The specific types of bank cards supported are subject to the actual display when you activate.

The common activation ways of IOUs are as follows:

1. Computer-side activation IOUs

Computer-side operation path: JD Finance Home-IOUs-Activation IOUs

2. JD Finance App Activation IOUs

Operation path: JD Finance App Home-Credit-Activation IOUs

Is it necessary to use a credit card to activate IOUs in JD.COM? What if there is no credit card?

not necessarily. You can use a savings card or a credit card to activate the IOUs. The specific types of bank cards supported are subject to the actual display when you activate them. You can apply through the following paths:

1. Activate IOUs on the computer side

Operation path on the computer side: JD Finance Home Page-IOUs-Activate IOUs

2. Activate IOUs on JD Finance App

Operation path: JD Finance App Home Page-IOUs-Activate immediately

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