How to increase the amount of IOUs in JD.COM?

How to increase the amount of IOUs in JD.COM?

The easiest way to increase the amount of IOUs in JD.COM is to use IOUs frequently for shopping, and at the same time, pay off the debts within the prescribed time limit. After a period of use, the quota can be increased. Usually, JD.COM Baitiao will raise the quota from time to time, so you can pay attention to the quota notice of SMS at any time; After the increase of JD.COM IOUs quota, users can use JD.COM IOUs to buy more valuable goods.

JD.COM IOUs can also receive weekly cash withdrawal packages and temporary cash withdrawal packages when the daily quota is insufficient. After the opening of JD.COM White Bar, it can be used in different scenes, such as Haydn Global Link, some virtual goods, JD.COM's self-operated website (JD.COM Pharmacy is not supported for the time being) and some third-party businesses' physical goods, shops 1, the final payment of pre-sale goods, JD.COM crowdfunding and so on. In addition, it also supports some external businesses. Specific to the actual payment of the optional situation shall prevail.

If the user can't repay the loan on time after using the JD.COM IOU, he can use installment repayment at this time, but he needs to pay a certain handling fee. It should be noted that if JD.COM IOUs fail to repay the loan, the overdue records will be uploaded to the credit information center, and the deterioration of personal credit information will affect the subsequent loan processing.

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

How to increase the amount of white bars in JD.COM

JD.COM IOU quota promotion method is as follows:

1. Open and log in to Jingdong Finance;

2. Click on the white bar;

3. Click on the quota management;

4. Click to increase the quota;

5. Click Get;

6. A message appears to congratulate you on your successful withdrawal, and finally you will automatically jump to the home white note page;

7. Click on the cross in the upper left corner of the page to exit, and the JD.COM white line has been successfully upgraded.

Operating environment:

Brand model: iPhone3

System version: iOS 15.0

App version: 10.3.0

Extended data:

First, how to open the JD.COM White Strip:

1. First, you need to open and log in to your personal JD.COM Mall;

2. Then select "My" and find the JD.COM White Strip;

3. Click "Activate the white note immediately" and complete the verification of personal mobile phone number to open the white note service.

Operating environment:

Brand model: iPhone3

System version: iOS 15.0

App version: 10.3.0

It should be noted that not all users can write IOUs in JD.COM. If the personal credit report has a bad record, the application for writing a white note will not pass.

Second, JD.COM IOUs application conditions

1, the user's age is between 18 and 60;

2. There is a JD.COM account, and there is a probability of past consumption. The more transactions, the better, but try to use the consignee's mobile phone number for a long time and make sure it belongs to the account number;

The perfection of personal information of 3.JD.COM account, such as real name authentication, stable payment address, credit card priority in the order of payment and deduction, etc.

The higher the credit score of 4.JD.COM Xiaobai, the better. He has a good shopping record in JD.COM, including no overdue, no bad reviews and no malicious refunds.

Three, JD.COM IOUs repayment time:

First, the order system:

1. "No installment" orders need to be repaid within 30 days after consumption. For example, if you spend 65,438+0,2065,438+0, April 65,438+0,2065,438, you only need to pay this consumption on May 65,438 and 2065,438 at the latest.

2. Orders selected as "installment payment" need to be repaid before the final repayment date of each installment. If there is no corresponding repayment date in the current month, it is the last day of the current month. Special note: 65438+1October 3 1 will be paid in three installments, and the payment deadline for each installment is: February 28/29 (if any), March 3 1 and April 30.

Second, the bill system:

The current bill date will generate the current bill for the order amount consumed after the previous bill. Repayment date = billing date +9 days. For example, users spend 1 in March and three IOUs in April, and the billing date of each month is 1.

1, April 3, consumption 1000 yuan, not in stages, repayment date is May 10.

2. On April 5th, the consumer spent RMB 3,000, and the repayment dates were May 10, June 10 and July 10 respectively.

3. On April 8th, the consumer spent RMB 2,000, and the repayment date was May 10.

4.31day consumption 1000 yuan, not in installments, and the repayment date is April 10.

How to increase the amount of IOUs in JD.COM?

First of all, answer directly.

Doing the following things well can help you get the white line.

Second, the specific analysis

1. Maintaining good credit information is the basis for using JD.COM IOUs. The better the credit record, the more worried the system will be when granting credit lines, and it will be more convenient to obtain IOUs.

If you have a record of non-performing loans in your credit report, it will have a great impact on you. Before the credit report is repaired, you can't successfully carry out the credit product, and it takes a lot of time to slowly repair the credit report.

2. Improve your income In normal times, you can find ways to improve your income level. When you have enough income, the system will no longer worry about repayment. When granting IOUs, the platform will have less concerns.

Before you have enough income, you need to be rational in using credit products such as IOUs, fully consider the future repayment pressure, borrow reasonably within the scope of personal economic conditions, and do not bring too much debt pressure to yourself.

3. Appropriate purchase of some wealth management products can be purchased from Jingdong Finance, so that the system can see its own financial resources and prove that it has a good comprehensive qualification to obtain the amount of IOUs, but this needs to be based on its actual economic ability and risk tolerance.

4. Show your credit demand. You can show your credit demand to the platform, so that you can easily obtain the white line of JD.COM, such as using credit products such as gold bars, and keep a good repayment record, so that the system can see your potential.

5. Improve personal information, such as uploading your education, occupation and income information to Jingdong Finance, so that Jingdong Finance will have a deeper impression of itself and it will be easier to get places.

6. Improving the evaluation score is an important reference document for using credit products of Jingdong Finance. The higher the evaluation score, the more confident you are to get the white line, and the less worried the platform is.

Relatively speaking, it is not difficult to get the evaluation score of Jingdong Finance. Keeping a good loan and return record and further improving personal identity information will help to improve the evaluation score.

7. Improve account activity. For example, more use of JD Finance for payment or consumption, and more use of other business functions above JD Finance can increase stickiness, and the system will think that loyalty is higher, which will make it more convenient to obtain the quota in the future.

8. After reducing the debt ratio, the debt pressure will be reduced, and the future overdue risk will also be reduced. Jingdong Finance will feel more at ease when awarding the white line.

Controlling your debt ratio below 50% will reassure the platform, and the platform will no longer have to worry too much about repayment pressure, and the overall concern will be less.

The main application scenario of shopping in 9.JD.COM Mall is in JD.COM Mall. Shopping in JD.COM Shopping Center can help you get the number of white bars.

10, update identity information. Sometimes, the amount of the white note has not been obtained, which is caused by the expiration of the validity period of the ID card uploaded in the system. This situation is relatively easy to solve, and re-authentication of new identity information can solve the problem.

The amount of 1 1. IOUs can be obtained by transferring money to the small treasury. In this case, you can deposit a certain amount of money in the small vault, which will help you get the IOUs.

You can choose the way to get the white note according to your actual situation, but whether you can get the white note in the end depends on the audit results of the system.

But don't take it lightly when online loans are overdue. In addition to being collected, personal credit will also be affected, especially online loans with credit information. Once there is such an overdue record, it will seriously affect the handling of bank loans and credit cards in the future. Even if the processed online loan cannot be credited, you can access big data. Search: Xiaoqi Credit Information can inquire about your online loan history, overdue details of online loans, liabilities, untrustworthy information and online loan blacklist.

3. Will the debt be reduced if it is not overdue?

The system will evaluate the amount of IOUs from time to time, so the amount of IOUs is not fixed. It is normal that the amount of IOUs will be dynamically adjusted, reduced or increased without overdue.

As long as the quota is not greatly reduced, it will not affect the daily use of white bars by users.

In addition, the amount owed has been reduced and can be recovered in the future.

Keep good credit records and consumption records, and often use white bars. The next time the system is evaluated, the white line limit may be restored.

How does JD.COM Baitiao increase the quota to 5000?

How to increase the quota of white stripes to 5000 in JD.COM;

1. Receive the promotion quota package: directly receive the promotion quota package through WeChat official account, JD.COM Jingdong Finance and other channels, and the promotion quota package can quickly increase the fixed quota.

2. Quick charge: The user deposits the money in the small vault and locks it, and the amount of IOUs can be increased as much as possible, so that the amount of IOUs can be quickly increased to 5,000.

3. Improve personal information: After the personal identity information is improved, it will help the system to comprehensively re-evaluate the credit qualification of users, and thus it is possible to obtain a higher white line.

4. Accumulate a good credit record: Pay attention to timely repayment when using IOUs and other loans. A good credit record can help users improve their comprehensive credit score.

5. Frequent use of IOUs: Frequent use of IOUs means that users need more loans, so the system will consider increasing the amount of IOUs for users to make better use of IOUs.

6. Increase personal assets: You can increase personal assets by purchasing wealth management products or investing in Jingdong Finance. The more personal assets, the higher the amount of IOUs you can get.

7. Shopping frequently in JD.COM Mall: The main usage scenario of IOUs is JD.COM Mall, and users often shop in the mall, which is also conducive to the increase of IOUs' quota.

8. Increase Xiaobai Credit Score: Xiaobai Credit Score is an independent score given by Jingdong Finance to customers. The higher the score, the better the user's credit qualification, which is conducive to obtaining a higher white line.

9. Participate in the quota promotion activities of IOUs: IOUs will launch quota promotion activities from time to time, and users can get a certain fixed quota by participating in the activities.

10. Keep personal credit information good: White stripes will refer to users' credit information, and only users with good credit information are eligible to use and increase the credit line.

1 1. Obtain temporary credit line: Although the temporary credit line has a certain validity period, it can increase the available credit line of users.