In online lending, online shopping platforms such as JD.COM, Alibaba and Suning are very influential. Some loans will give priority to the loan platform of online shopping platform when using online loans for the first time. However, everyone is still worried about opening online loans. Someone asked: Isn't it good to use white stripes in JD.COM? Today, I will give you an analysis of the advantages and disadvantages after activating the white bar, so that everyone can understand the advantages and disadvantages.
Generally speaking, there is no harm in activating only JD.COM White Bar, but it is inevitable to use JD.COM White Bar when activated. In the process of using JD.COM white stripes, there can be neither advantages nor disadvantages. However, most of the disadvantages can be avoided artificially.
Disadvantages of activating white bars in JD.COM are:
1, increase liabilities
After the introduction of white stripes in JD.COM, if people shop with white stripes, they will be in debt. You need to repay on time every month in the future. If everyone's debt is heavy, it will affect the mortgage and car loan from the bank in the future.
2. There is a risk of overdue.
It is ok to activate white stripes in JD.COM. If you use them, there is a risk of overdue. After all, JD.COM IOUs have a fixed repayment date. Once everyone fails to repay on time, it will produce a record of non-performing loans and leave a stain on the credit information.
3. Excessive consumption
After the activation of JD.COM IOUs, many people will blindly spend money, causing themselves a heavy repayment burden. In addition, the use of JD.COM IOUs sometimes generates certain interest.
The benefits of activating white bars in JD.COM are as follows:
1, personal credit accumulation
After the IOUs are put into use in JD.COM, if people can use them in strict accordance with the provisions of the contract, they will leave a good loan record on the credit information of the central bank. In the future, everyone can enjoy more financial services with good loan records.
2. Wealth management.
Sometimes, shopping with JD.COM white stripes can be free of interest. Everyone can use the saved cash to buy wealth management products and earn the expected income for themselves.
Step 3 improve your life
JD.COM IOUs support shopping first and then paying. After activating JD.COM White Bar, if it can be used reasonably, you can enjoy quality life in advance.
To sum up, there is no harm in simply activating JD.COM White Bar, but it will have advantages and disadvantages after use. Generally speaking, the reasonable use of JD.COM white bars does more harm than good.
What are the advantages and disadvantages of activating white stripes for the first time in JD.COM?
The benefits of activating IOUs for the first time in JD.COM include: accumulating personal credit, managing wealth and improving life.
The disadvantages of activating IOUs for the first time in JD.COM are: increasing debt, overdue risk and excessive consumption.
Extended data
1.JD.COM What do you mean by white bar activation?
For newcomers who don't have IOUs in JD.COM, when paying in JD.COM, JD.COM will guide you to the page where IOUs are opened. If it can be successfully opened and the payment is completed with a white note, it means that the activation is successful. Activate white operation path:
1. Log in to Jingdong Finance, enter the homepage of IOUs, and click Activate IOUs;
2. After clicking "Activate Now", the user needs to fill in personal identification information according to the webpage prompts.
3. Then choose to bind the bank card, fill in all the information of the bank card, and fill in the SMS verification code received by the mobile phone reserved by the bank.
4. Read the service agreement and service charging standard, and then click "I have read and agreed".
5. Click the "Activate Now" button at the bottom to activate the JD.COM IOUs service.
Operating environment:
Brand model: iPhone 13
System version: iOS 15.0
App version: 10.3.0
Can 2.JD.COM use a white card instead of activating it?
JD.COM can use the white card without activating it. If the IOUs are not activated when handling the IOUs co-branded card, the card can only be used as an ordinary credit card and cannot enjoy the IOUs preferential rights. You can only enjoy all the rights and interests of the white card after activating it.
Inactive IOUs will not be able to enjoy some rights and interests related to IOUs, such as IOUs payment reduction coupons and interest-free coupons. These rights can only be enjoyed after the IOUs are activated.
3. Can I not use JD.COM White Stripes after activation? Will it have an impact?
If the white note is not used after activation, it will not affect the user's credit information and will not charge the user any fees. Not using white bars after activation may cause some effects such as reducing quotas and slowly increasing quotas. However, cancellation is not allowed after the white bar is activated.
1. line reduction: the system will adjust the user's white line from time to time. After JD.COM IOUs are activated, the system will think that the user demand is small, so the IOUs quota will be reduced.
2. Slow credit line improvement: If the IOUs are not used for a long time, the system can't evaluate users for a period of time, so it will take a long time to improve the credit line.
3. Change the quota to 0: If it is not used for a long time after opening, and the activity of JD.COM Mall is not high, then the system may adjust the quota of white bars to 0.
What are the advantages and disadvantages of writing a white note in JD.COM?
Advantages of IOUs: After IOUs are activated, if users can borrow and repay loans on time during use, they will leave a good record on credit information and enjoy financial services with a good record. Sometimes you can avoid paying interest by shopping with white bars.
Disadvantages brought by IOUs: there are liabilities for early consumption, and if users use IOUs for loan shopping, there will be liabilities. You need to repay on time every month in the future. If the repayment is not made on time, there is a risk of overdue. After all, IOUs have a fixed repayment date. Once everyone fails to repay on time, there will be a record of non-performing loans.
Matters needing attention in the use of white bars in JD.COM
Pre-sale goods: the deposit of pre-sale goods can't be white bars, but the balance can be used.
It should be noted that ordinary IOUs need to have a good consumption record in JD.COM. During the activation process, they need to be bound to a savings card or a credit card to verify their identity. JD.COM will judge whether users need to bind a savings card or a credit card according to their consumption in JD.COM. General members with high level only need to bind a savings card.
Number of white bars: It should be noted that the number of white bars on campus is determined according to the applicant's school situation. The amount of ordinary IOUs is related to the consumption of users in JD.COM. The more you spend, the higher the level, and the higher the corresponding quota, and then you can increase the quota.
Please refer to Baidu Encyclopedia-JD.COM Baitiao and People's Daily Online-JD.COM for the above contents.
What's the impact of writing white stripes in JD.COM?
Generally speaking, writing a white note has no effect. Only in the process of using JD.COM white stripes, it is impossible that all the advantages outweigh the disadvantages. However, most of the disadvantages can be avoided artificially.
Advantages of white stripes:
Accumulate credit. After the IOUs are activated, if everyone can borrow and repay on time during the use, they will leave a good record on the credit information and enjoy more well-recorded financial services in the future.
Sometimes shopping with white stripes can be free of interest. Everyone can use the saved cash to buy wealth management products and earn income for themselves. Some high-quality users are asking how to open JD.COM gold bars. Of course, if you use white bars well and have a good credit record, you will have a chance to open gold bars.
White stripes support shopping first and then paying. If you use them properly, you can help everyone enjoy a quality life in advance.
White stripes bring disadvantages:
Early consumption is in debt. If everyone uses IOUs for shopping, they will be in debt. You need to repay on time every month in the future.
If the repayment is not made on time, there is a risk of overdue. After all, IOUs have a fixed repayment date. Once everyone fails to repay the loan on time, it will produce a record of non-performing loans and leave a stain.
Unreasonable consumption, after using IOUs, many people will blindly consume, thus causing a heavy repayment burden for themselves.
In addition, the use of IOUs sometimes generates certain interest, so the amount to be repaid includes the principal+interest, so everyone should spend reasonably. For friends who can't control their spending power, it is not recommended to use white bars.
If you use JD.COM IOU to pay on JD.COM website, you can enjoy a deferred payment period of up to 30 days or a maximum of 24 installments. At present, the maximum initial quota is 6,543,800 yuan+0.5 million yuan, which is also a big reason why many people choose JD.COM White Bar, and they will not be unable to buy their favorite goods and services because of insufficient quota.
The advantage of opening JD.COM IOUs is that you can enjoy the credit accumulated in advance consumption, and sometimes you can buy things without interest, which saves you a lot of expenses at one time, but the disadvantages are also obvious. For the pickpocket party, if you can't control your own expenses, it is recommended not to open it easily, otherwise you will not receive credit information at the meeting.