I have never used Jingdong Baitiao, why does it show that I need to repay it?

There is no Jingdong I-Tiao to repay. It may be that the previous owner of the mobile phone number changed the number and did not change it. If the current owner takes over the number, he will receive a repayment text message sent to the original owner. However, there is no need to pay back the original owner, but JD Finance may harass them via text messages or phone calls.

If you don’t want to be harassed, you can add JD Financial’s phone number to the mobile phone blacklist. The most fundamental solution is to cancel your mobile phone number and apply for a new one.

"Jingdong Baitiao" is the industry's first Internet credit payment product, allowing users to enjoy the consumption experience of "consume first, pay later, real-time approval, and installment as you wish". It has quickly become an industry model and laid the foundation for JD.com Finance’s position as a leading brand in the consumer finance industry. In terms of positioning, "Jingdong Baitiao" is a credit payment service that uses big data to conduct credit assessment and provides users with high credit ratings and consumption needs. Users can enjoy use-now-pay-later and installment shopping services on JD.com for up to 24 periods. Bills can also be paid in installments and with minimum repayment, and the interest rate is lower than that of bank credit cards. JD Financial Consumer Finance has over 100 million users. Since then, "Baidiao" has also opened up O2O (Jingdong Daojia), global shopping, and product crowdfunding within the JD system. Later, it gradually covered rental, tourism, decoration, education, weddings and other fields, extending from credit purchase services to providing credit consumption Loans cover more consumption scenarios and provide credit consumption services to more consumers.

JD Baitiao’s service scenarios have gradually expanded, and it has cooperated with nearly 10 million online and offline merchants, covering the life and entertainment, business travel, education and training, communications and leasing industries. Cooperating with banks to jointly brand the electronic account "Baidiao QuickPass", using NFC technology to expand Baitiao payment offline, and further broadening the use scenarios of Baitiao payment by binding WeChat payment. In addition to providing users with the payment convenience of buy now, pay later and pay in installments at will, Baitiao has launched an official creative product store - Time Grocery Store, adhering to strict aesthetic and quality standards to create and select a variety of beautiful and interesting daily necessities for users. , work with young people to establish a healthy and quality life attitude.

While Jingdong Baitiao brings convenience to users, it also pays great attention to the security issues of users being stolen from Jingdong Baitiao. During the entire process of account login, activation, transaction, and information modification, JD Digits’ Tiance decision-making engine system, Tiandun account security and anti-fraud system, and Tianwang transaction risk monitoring system perform background security scans on each account behavior. Real-time calculations can identify malicious behaviors and high-risk orders, and are connected with the mall's distribution system to intercept high-risk orders in the last mile of delivery. JD.com's Baitiao anti-theft brush is a unique advantage in the industry.