At present, the maximum amount of IOUs in JD.COM is 1.5 million yuan. If the amount is not large, it is generally around 2000 to 5000 yuan, but this amount is not fixed. You can increase the number by improving your data activities in JD.COM.
Extended data:
“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 quickly becomes an industry model, laying the leading brand position of Jingdong Finance in the consumer finance industry.
In 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.
Since then, "Baitiao" has also opened up O2O(JD.COM arrives at 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 house purchase service to providing credit consumption loans, covering more consumption scenarios and providing credit consumption services for more consumers.
JD.COM Baitiao's service scene has gradually expanded, 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.
2065438+March 2009, according to the statistics of the referee document network, more than 200 people have used JD. COM white stripes. According to the verdict, the average age of the defendants in 107 is 28 years old. Take JD as an example. COM was sentenced by two companies in Changsha, and college students accounted for nearly half of the defendants. The defendant's maximum sentence was 19 years, with an average sentence of 2.35 years. In addition, the number of college students deceived mentioned in the judgment exceeded 362, which became a more conspicuous group among the victims.
JD.COM Baitiao is the first Internet consumer finance product in the industry.
"Pay first and then pay back", enjoy a maximum interest-free period of 30 days and a maximum of 24 installments.
Log in to Baitiao official website or Jingdong Financial APP- Baitiao, and you can enter the page to apply for activation independently. Users of JD.COM Mall are eligible to activate the "white note" for mall consumption.
What's the maximum amount and time limit that JD.COM IOUs can overdraw?
1. As long as your IOUs account is in a normal state, you can overdraw as many IOUs as you have;
2. 1. Not in installments: if the consumption is made before the current bill date, the order is included in the current bill, and the repayment date is 9 days from the bill date, so it needs to be repaid before the current repayment date; If you spend on or after the current billing date, and the order is included in the next bill, you will repay it before the next repayment date.
2. Stages: At present, the consumption of IOUs is divided into three stages: 3, 6, 12, 24; The white bill after consumption can be divided into three stages: 3, 6 and 12 (please refer to the actual optional stage for details).
What is the maximum amount of IOUs in JD.COM?
At present, the maximum amount of IOUs in JD.COM is 15000 yuan, which is determined according to the user's shopping transactions in JD.COM, whether there are any bad records, membership level, other credit management records, such as the credit report of the People's Bank of China and the sesame credit of Alipay, and the user's salary level. As long as you are hiding in JD.COM for shopping and your consumption level is relatively high, you can generally apply for a quota of 7,000 to 8,000 yuan, which can be used to buy most goods. Besides, JD.COM JD.COM's IOUs can't be cashed.
At present, the highest amount of IOUs in JD.COM seems to be 15000 yuan, but most people are within 1000 yuan. Everyone who can reach 10 thousand yuan loves shopping and the salary is high. Because the amount of IOUs is automatically assessed by the system according to your consumption and credit rating in JD.COM, if your qualifications are good, the amount will be high.
If you want to increase the amount of IOUs, you can:
1. You can receive the cash withdrawal package at Jingdong Financial White Line Management every week. Although the amount is not large, it can be withdrawn;
2. It is not standard to participate in some activities to increase the quota;
3. Consumption in JD.COM can be improved.