If the system prompts the user to deposit money into Jingdong's small vault when he opens Baitiao, it may be because the user's credit is generally low and the system's comprehensive score is low. For the time being, he cannot open ordinary Baitiao. He can only deposit money into Jingdong's small vault and lock the funds.

Only by opening the white ticket can you obtain the amount corresponding to the locked funds for consumption.

If the user later unlocks the funds locked in the small vault and transfers them out, the Baitiao quota will also decrease.

Unless the user continues to accumulate good credit and successfully upgrades to an ordinary IOU, the system will provide a credit line.

At this time, users can unlock and transfer the funds in the small vault, and the IOU quota will not decrease.

1. What does it mean to open an IOU in Jingdong Xiaojintong? 1. What is Jingdong Xiaojincun? The funds that users deposit into the small vault are actually the purchase of a currency fund. Currently, new users who deposit into the small vault purchase China Life Security by default.

Zeng Jinbao Monetary Fund.

However, the funds in the small vault can also be used for payment at any time, including purchasing financial products, funds, gold, etc., as well as opening and repaying IOUs.

2. What is JD Baitiao? Baitiao is a payment method launched by JD.com that consumes first and pays later. Its model is similar to Alipay Huabei.

However, the usage scenarios of JD Baitiao are different. It is mainly supported on JD.com’s self-operated websites, No. 1 stores and other places.

JD Baitiao is the same as Huabei. Users cannot actively apply. The system determines whether to activate based on the user's creditworthiness.

Opening IOUs in Jingdong's small treasury depository is a way for users to activate IITs provided by JD.com. Users can get the opportunity to apply for opening IITs by depositing a certain amount of funds into their small treasury account.

The amount of funds deposited must be the same as the amount of the white note, that is, when the amount of the white note is 1,000 yuan, the amount deposited in the small gold deposit cannot be less than 1,000 yuan.

However, depositing money in the small vault can only give you the opportunity to activate the white ticket. Whether the final activation can be successful still needs to wait for system review. This means that when the system determines that the user's credit is not high, even if the small vault has money, it will not be able to activate the white ticket.

2. Is it cost-effective to open IOUs in Jingdong's small vault? When opening IOUs, the amount deposited in the small vault will be temporarily frozen. From the perspective of overdraft consumption, the advantage of opening IOUs in a small vault is not outstanding, because the amount of overdraft means that the small vault

How much must be deposited.

However, although the frozen funds cannot be used, it does not affect the expected returns generated by the monetary fund. Its function is similar to Alipay reserve funds, which can be borrowed in the short term to obtain expected returns from small investments.