Will JD Baitiao come to your door after the expiration date?

No

If the JD.com bill is overdue, the collection agency will not come directly to your door. After the user is overdue, the collection agency will send text messages and make phone calls to collect collection. These two have no effect. The collection agency will call the user's relatives and friends to collect collection. When the overdue situation becomes serious and the user's location is the same as the location of the collection agency, then the collection agency may come to collect the payment. Since the cost of door-to-door collection is high, JD Baitiao will not come to collect debt if the small amount of the loan is overdue. If the overdue amount is high, and there is suspicion of malicious evasion of debt, it is not ruled out that Ii Tiao will come to collect the debt.

"JD 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. 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 consumer needs. Users can enjoy use-now-pay-later and installment shopping services on JD.com for up to 24 installments. 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 areas such as rentals, tourism, decoration, education, and weddings. The credit purchase service extends to the provision of credit consumption loans, covering more consumption scenarios and providing credit consumption services to more consumers.

JD.com’s Baitiao repayment method

Automatic repayment

①Open JD.com’s official website, log in with your JD.com account and find “Baidiao” on the right side of the homepage.

② Then it will jump to the Baitiao homepage. Move the mouse to the "Baidiao" option on the top line of the page. A window will pop up below, where you can see "Baidiao Repayment". Click here You can view information such as the amount to be repaid within 7 days and the available credit limit on the next repayment date.

③ Click "Manage self-service repayment" on the page just now, and you can see the current system's deduction sequence and the bank card automatic repayment business we have previously opened; if this is the first time, then Follow the above steps to activate the automatic repayment function. The system's default priority for automatic repayment is small vaults. We can set other bank cards as priority.

Manual repayment

① If we do not want to make automatic repayment, manual repayment is also possible. You can view the issued bills on the asset overview page.

② Click "Repay Now" in the lower right corner of the issued bill, then manually select a repayment method on the cashier settlement page, enter the 6-digit payment password and click "Pay Now" , so the repayment is successful.