When JD.COM Xiaobai's credit reaches 100, he can enjoy the following privileges: after the qualified return application is passed, he will enter the refund process, and refund first and then return. It saves customers the logistics waiting time for returning goods and the processing time for receiving and inspecting goods (except for individual special categories and virtual categories).

JD.COM Xiaobai Credit can enjoy the following privileges when it reaches 90 points: Xiaobai Credit can enjoy different growth value acceleration factors in each score segment, and the higher the score, the greater the acceleration factor. The growth value obtained from shopping = settlement amount * acceleration coefficient, and the growth value is helpful to upgrade the members of JD.COM Mall.

When JD.COM Xiaobai's credit reaches 80, he can enjoy the following privileges: After successfully activating the IOUs, he may be eligible to withdraw IOUs. As long as you keep Xiaobai's good credit, you can get a withdrawal once a week.

Extended data

JD.COM Xiaobai's credit is judged according to the following criteria:

1, identity

Examine your identity from the aspects of social attributes, living environment, education and stability.

2. Assets

Your assets will be evaluated from three angles: financial investment, credit ability and income and expenditure.

Step 3 be partial

Quantify your behavioral characteristics and interest preferences from login, browsing, ordering and other dimensions.

Step 4 perform

Evaluate the performance and breach of contract from your financial products, e-commerce platform and social behavior.

5. Relationship

Evaluate your influence from two dimensions: social relations and shopping behavior.

Jingdong Finance-Xiaobai Credit Life