How to cancel JD? The loan receipt of COM

How to permanently close JD.COM White Bar?

Step 1: Click on mine and click on customer service.

Step 2: Click online customer service.

Step 3: Enter how to close the JD.COM White Bar, and then click Lock or Cancel White Bar.

Step 4: After you choose to cancel the white note, just select the cancellation reason.

JD.COM White Bar will check the credit information when it is opened for use, and it can only be opened for use if the credit information is good. It cannot be overdue during use, because overdue repayment will also be reported to the credit information, which will affect the handling of various loans after the credit information becomes bad. The overdue records will be kept for 5 years after being returned and will disappear automatically after 5 years.

JD.COM needs to be 18-55 years old when the white stripes are opened, and has full capacity for civil conduct. Moreover, at present, only one white account can be activated with the same ID card and mobile phone number, and whether the user can open it is up to the system.

Version information: Take JD.COM10.5.0 version, Apple13 (IOS15.4.1system) and Huawei mate40(HarmonyOS2 system) as examples.

How to pay off JD.COM's IOUs at one time?

(In the following operations, the operating environment is HUAWEI 10.04.05Android to open any version of mobile phone software) The following is the way to pay off JD.COM's IOUs at one time:

1. Open the mobile phone JD.COM app and log in to your personal account;

2. Then click the word "My" in the lower right corner of the homepage;

3. Then find the white bar in the "My" interface and click the white bar interface;

4. Click on the column to be returned, and click "All White Sheet" after entering;

5. Finally, click prepayment, fill in all the bill amounts to be repaid, and fill in the payment password to complete the repayment.

(Operating environment of the above steps: Huawei HUAWEIMate30Pro5GLI0-AN00 Xiaomi Mi10 Litezoom; System version: emui11.0.0 miui12.1.3; Software version: JD.COM APP V9.4.4 JD.COM APP V9.4.4)

The main content of White Stripes in JD. COM "means that consumers can apply for a personal loan of up to 1.5 million yuan when shopping in JD.COM, and repay it in installments within 3-24 months. September 20 15, the project "JD. COM White Strip Asset Securitization has been approved by Huatai Securities and will be listed on Shenzhen Stock Exchange on June 20 15. The person in charge of the JD.COM White Strip Project told the Beijing News reporter that JD.COM would remind users by SMS and telephone.

Xu Ling, head of JD.COM. The person in charge of consumer finance business in JD.COM Mall said that users can click "JD.COM". The "White Strip" area on JD.COM's home page. After filling in the application materials such as name, ID number and bank card information, JD.COM will first rate the risk of users' consumption records, distribution information, return information and shopping evaluation in JD.COM, and each user will receive the corresponding maximum credit line of 6,543,800 yuan+0.5 million yuan. The domain names related to white stripes in JD.COM are also concerned by rice farmers. JD.COM IOU repayment is divided into two forms, one is 30-day interest-free deferred payment and the other is 3- 12-month installment payment. This is for the general situation.

I hope my answer is helpful to you.

How to cancel installment repayment with IOUs?

If the user is paying by installment, and is choosing to pay by installment or the order submitted by installment has not been paid, the installment can be cancelled at this time.

You need to apply for a refund directly to cancel the installment of paid IOUs. However, if the user chooses installment repayment, once the installment application is submitted and the system confirms it successfully, installment repayment cannot be cancelled.

“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.

In order to broaden financing channels and expand business scale, Internet consumer finance institutions and consumer finance companies have chosen ABS as a new financing breakthrough. For JD.COM IOUs ABS products, users use IOUs to shop first, and then pay. JD.COM reorganized IOUs installment bonds and sold them to financial institutions to obtain liquidity in advance.

At present, white ABS products have been listed and issued in four phases, with quotas of 800 million, 654.38+0.2 billion, 2 billion and 654.38+0.5 billion respectively. At the same time, the issuance process of white ABS has also changed from the previous approval system to the filing system for the first time, which means that the capital flow speed of white ABS will accelerate in the future.

Insiders pointed out that the credit ability under the new wind control is an important performance of financial technology, and asset securitization is precisely the best way to reflect this credit ability.