How can I get a refund when I buy something in JD.COM? COM？

If you return the goods after buying in JD.COM Baitiao, the place of refund will be different under different circumstances:

If the order and bill are not in installments, the refund part of JD.COM IOUs will be used as repayment to offset the repayment amount;

If this order is for installment consumption, the refund part of IOUs will be offset from the earliest installment (including principal and service fee) of this refund order until it is fully offset; Under normal circumstances, it will not be completely offset;

If the bill has been phased after consumption, the refund part of the white note will be offset from the earliest installment corresponding to the refund form to the expected repayment of the bill (including the principal and service fee) until it is fully offset, generally not fully offset;

If all the bills mentioned above are offset, and there is a refund left, the remaining refund will be returned to the last repayment method (bank card/small vault). Time limit for refund: 15 working days.

After the installment repayment application of JD.COM IOU is approved, it is irrevocable. If you pay in advance before the bill comes out, the installment fee and interest will not be less, which is equivalent to repaying the principal and interest in advance. In other words, if the refund after the installment of the bill offsets the principal, the interest will still be paid. But there is no extra charge.

“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.

If it is not installment payment, JD.COM IOUs can postpone payment for 30 days without generating interest rate. The installment service can be divided into three periods, six periods, 12 period and 24 periods. The rate standard is 0.5%- 1.2%, and the penalty rate is 0.05%/ day.

Repayment can be made through mobile phone Jingdong Finance PC terminal and client, Jingdong wallet client and Baitiao official website.

2018165438+1October 20th, Chen Shengqiang, CEO of Jingdong Finance, announced today at the "2018 JD.COM Digital Technology Global Explorers Conference" that the brand of Jingdong Finance was officially upgraded to "JD.COM Digital Science" and a brand-new logo-JD Digits was launched. JD.COM Mathematics will include sub-brands such as Jingdong Finance, JD.COM City, JD.COM Agriculture and Animal Husbandry, JD.COM Molybdenum Media and JD.COM Shaodongjia.