JD.COM baitiao
“JD。 COM White Strip is the first Internet credit payment product in the industry, which allows users to enjoy the consumption experience of "consumption first, payment later, real-time approval and arbitrary installment", and quickly becomes an industry model, laying the leading brand position of Jingdong Finance in the consumer finance industry.
In positioning, "JD. COM White Strip is a credit payment service for users with high credit rating and consumer demand through the credit evaluation of big data. In JD.COM Mall, users can enjoy the service of using first and then paying, and shopping by installments, with a maximum of 24 installments, the bill can be repaid by installments, and the minimum repayment rate is lower than that of bank credit cards. Jingdong Finance Consumer Finance has opened more than 1 100 million users.
JD.COM Baitiao's service scene has gradually expanded, with nearly 10 million online and offline merchants, covering life and entertainment, business travel, education and training, communication, leasing and other industries. Cooperate with the bank to co-sign the electronic account "White Strip Flash Payment", expand the white strip payment to offline through NFC technology, and further broaden the use scenarios of white strip payment by binding WeChat payment.
What's the difference between a white card and a credit card applied by JD.COM?
1, the line is different. White stripes in JD.COM: the amount of white stripes in JD.COM is relatively low, with the highest amount of 1.5 million yuan; Credit card: Take the credit card of China Merchants Bank as an example. The credit card limit is 3000- 1 10,000 yuan, the gold card limit is 1 10,000-50,000 yuan, and the platinum card limit is more than 50,000 yuan.
2. The installment rate is different. JD.COM IOU: the rate is 0.5% per month, and the corresponding rates for 3-month, 6-month and 12-month installment services are 1.5%, 3% and 6% respectively; Credit card: Take the credit card of China Merchants Bank as an example. The package is divided into three months, six months and 12 months, and the corresponding rates are 2.7%, 4.5% and 7.92% respectively.
2. The probability of card release is different. JD.COM White Strip: Maybe you spend a lot of money in JD.COM and won't just get a card; Credit card: Generally speaking, as long as you provide complete information, good credit information and repayment ability, you will generally issue a card.