What does JD mean by reducing white stripes? Computer output microfilm

JD。 COM White Stripes is a marketing activity in JD.COM aimed at new people with white stripes. Newcomers who have not opened the JD.COM White Strip can click on the activity link to buy goods. When paying, JD.COM will guide you to the page that opens the white bill. If the IOUs can be successfully opened and used to complete the payment, the system will automatically offset the amount. However, it should be noted that the purchased goods should be above the deductible amount, but the amount should not exceed the amount of JD.COM IOUs, otherwise the coupons cannot be deducted.

“JD。 COM IOUs is a brand-new payment method of "consumption first, payment later" introduced by JD.COM. When you use white bars to pay for shopping in JD.COM, you can enjoy a deferred payment period of up to 30 days or up to 24 installments.

Influence and treatment of default of IOUs;

IOU is a payment product introduced by JD.COM. If it is not paid back at maturity, it will result in a certain percentage of liquidated damages, which may also have a certain impact on credit and later use. In order to avoid inconvenience, repayment must be made according to the repayment date.

After the IOUs are overdue, JD.COM will remind users to pay back through letters, short messages, e-mails, telephone reminders, letters, home visits and judicial channels. If necessary, it will also entrust an external agency to remind you.

JD.COM IOU is also a kind of online loan, similar to online credit card, which has a certain lending relationship with JD.COM. The law also recognizes that failing to pay a certain amount within the time limit has a great impact on credit reporting.

JD.COM White Strip:

“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 shopping 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.

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 strip "fraud. According to the verdict, the average age of the defendants in 107 is 28 years old. Take JD as an example. The two courts in Changsha pronounced that 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.