The application conditions for JD.COM IOUs are as follows:
1, a real-name authentication user in JD.COM, and a Chinese mainland resident aged between 18-60.
2. Through the comprehensive evaluation of the system, the account number is mainly evaluated by the number of transactions and the number of goods purchased by users.
3. The bank card is bound, but only some savings cards and credit cards of some banks can be supported.
JD.COM IOUs only require binding bank cards, which can be divided into savings cards and credit cards, but there is no restriction that credit cards must be bound, so it is also possible to bind savings cards.
As long as you fill in the name, ID number and common address in the online banking wallet and bind the real-name authentication of the bank card, you can activate the white card in the JD.COM white card activation service. This bank card can be a savings card or a credit card.
Extended data
JD.COM IOU is a brand-new payment method of "consumption first, payment later" introduced by JD.COM. When you use IOUs to pay on JD.COM website, you can enjoy a deferred payment period of up to 30 days or a maximum of 24 installments. It is the first Internet consumer finance product in the industry.
JD.COM Baitiao also opened up O2O(JD.COM to Home), global purchase and product crowdfunding within the JD.COM system, and then gradually covered the fields of renting, tourism, decoration, education, wedding and so on, extending from credit purchase service to providing credit consumption loans, covering more consumption scenarios and providing credit consumption services for more consumers.
The repayment method of JD.COM IOUs is as follows:
If it is not installment payment, JD.COM IOUs can postpone payment for 30 days without generating interest rate. The installment service can be divided into three periods, six periods, 12 period and 24 periods. The rate standard is 0.5%- 1.2%, and the penalty rate is 0.05%/ day.
Repayment can be made through mobile phone Jingdong Finance PC terminal and client, Jingdong wallet client and Baitiao official website.