JD.COM Gold Card's Automatic Financial Management Function JD.COM Gold Card is a bank card with savings, consumption and financial management functions. In addition to financial management, its savings and consumption functions are no different from ordinary bank cards.
JD.COM Gold Card can withdraw money at ATM, and the first five domestic inter-bank ATM withdrawals are free of charge every month. You can swipe your card directly when you spend. If you spend money on Jingdong Finance, you can also enjoy the exclusive rights and interests of Jingdong Finance, including online consumption gift packages and exclusive JD.COM gold coin preferential exchange.
The automatic financial management function of JD.COM Gold Card means that if the balance of the user's account in JD.COM Gold Card exceeds 1 000 yuan, it will be automatically transferred to Jingdong Small Treasury for financial management, so as to obtain the expected income for the user.
Specifically, if someone handles the JD.COM Gold Card of Industrial Bank and deposits 5,000 yuan in the card, if the user signs a contract with JD.com Treasury, only 1 1,000 yuan remains in the card, and the remaining 4,000 yuan is automatically transferred to JD.com Treasury to purchase the monetary fund associated with JD.com Treasury, thus providing the cardholder with expected investment income higher than the deposit interest rate. According to the data of JD.COM Xiaojinka of Industrial Bank, the expected annualized rate of return of this money fund is around 4%, which is similar to that of Yu 'ebao.
Of course, you don't have to worry about whether the limit of 1000 yuan is not enough for daily consumption, because when the cardholder makes transactions such as quick payment, domestic POS consumption or domestic ATM withdrawal, if the balance of the current account in the card is insufficient, the Jingdong small vault account will automatically redeem the difference and complete the payment together with the balance of the current account.