JD。 COM IOUs refund, but don't worry, there won't be less money, just wait patiently for the refund to arrive. For the IOUs refund for normal transactions, if the user has repaid, the refund amount will generally be returned to the repayment bank card or JD.com vault bound by the user within 1 to 5 working days after the mall/merchant initiates the refund (specifically, subject to the posting time of the bank, generally no more than 15 working days), so everyone should pay more attention to the details of the order refund. If the current bill still needs to be repaid, the refund amount will be used to offset the current bill. However, if the user has not repaid the loan, after the mall/merchant initiates a refund, the amount of the loan will be automatically restored within 1 to 5 working days (no more than 15 working days at most), so you can pay more attention to the change of the loan. If the mall/merchant has initiated a refund, but the user has not received the refund amount, you can consult the customer service staff.

1.“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 has quickly become an industry model, laying the foundation for Jingdong Finance as a leading brand in the consumer finance industry.

Second, in terms of 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. Users can enjoy the service of paying first and shopping in installments in JD.COM Mall, with a maximum of 24 installments. Bills can also be repaid in installments, with the lowest repayment rate and lower execution rate than bank credit cards. Jingdong Finance Consumer Finance has opened more than 1 100 million users.

Thirdly, since then, the "White Bar" has 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, etc., extending from credit house purchase service to providing credit consumption loans, covering more consumption scenarios and providing credit consumption services for more consumers.

Fourthly, the service scene of JD.COM Baitiao has been gradually extended, 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.

5. While the white stripes in JD.COM bring convenience to users, we also pay great attention to the security problems of users being stolen by white stripes in JD.COM. In the whole process of account login, activation, transaction and information modification, JD.com's Ce Tian decision engine system, Tiandun account security and anti-fraud system and Skynet transaction risk monitoring system conduct background security scanning on each account behavior, calculate in real time, identify malicious behavior and high-risk orders, and get through to the mall distribution system to intercept the last mile high-risk orders. JD.COM white anti-theft brush is a unique advantage in the industry.