What is the difference between Whitestripe QuickPass and Whitestripe Scorecard?

First of all, the card issuer is different: JD QuickPass currently has a virtual card approved by UnionPay.

The card issuance license is a virtual card issued by JD for users (note: JD Quick Pass is its own son); Baitiao QuickPass is a bank that cooperates with JD.com.

Bank of Shanghai issues virtual cards to users. Secondly, the payment methods are different: JD Quick Pass supports bank cards (credit cards and savings cards) for payment; Baitiao QuickPass supports Baitiao and small treasury payments.

There is also a different deduction order: JD QuickPass is the user's own choice of deduction order; The white strip quickpass will be deducted from the JD white strip first.

JD Baitiao QuickPass is JD Finance.

Launched credit payment for ** consumption and offline POS consumption. Since June 20, 2017, new users can only use the white bar limit to spend after activating the White Bar QuickPass. After the opening of JD Baitiao QuickPass, as long as there is UnionPay QuickPass and Apple Pay at the cashier, there is also a consumption checkout

If you have any of the HUAWEI PAY or MI Pay logos, you can use QuickPass. When making offline POS consumption, please open your wallet and select a white stripe quickpass bank card close to the POS terminal induction area to pay by tapping the card, in order to make the transaction faster, it is recommended to set the default bank card of the white stripe quickpass account and verify the mobile phone password.

or fingerprint password, enter the 6-digit payment password through the POS machine to complete the payment, and orders below 300 yuan can be directly clicked to confirm the payment. For online purchases, after submitting the order, select Apple Pay (mobile only) on the payment page and select the Whitestripe QuickPass bank card, in order to make the transaction faster, it is recommended to set the default bank card for the Whitestripe QuickPass account, and enter the 6-digit payment password to complete the payment after verifying the mobile phone password or fingerprint password.

The white stripe sub-card is a white-striped sub-card that allows users to bind the white strip to WeChat, Alipay or mobile phone pay for payment and consumption with the help of the bank's second-class and third-class electronic accounts. When the user spends money, the amount of the white bar will be directly deducted, and the amount will be entered into the white bill, and the user can repay according to the white bill. The only bank cards that can be verified by the Baitiao sub-card are the savings cards of domestic banks.

This means that the white stripe subcard is similar to a virtual one, which can be bound to a third-party channel for use.

<> first of all, I think you need to be confident, because many things are not based on appearance, and inner beauty is also a kind of beauty, so if you are confident, you will definitely like it. A lot of ourselves are happy to come back when we eat, and it's okay to come back when we come.

The white stripe score card is a type of savings card.

And it is essentially different from a credit card, it is made of JD Baitiao.

A virtual card jointly launched with Bank of Shanghai.

The consumption channels of Baitiao sub-card and credit card are the same, and they can be bound to third-party channels, that is to say, they can be consumed in these scenarios by binding WeChat, Alipay, etc. Baitiao sub-card is jointly launched by JD.com platform and Bank of Shanghai, and is an installment consumption card that can be bound to third-party channel payment.

At present, there is a quota limit for the white stripe subcard, and the specific limit is determined by the evaluation and review of the JD platform system. The JD Baitiao Scorecard can use the Baitiao Quota in non-JD Pay scenarios. As long as the sub-card transaction is used, it will be automatically installment according to the number of installment periods selected at the time of opening, and part of the principal and fees need to be paid for each period.

The interest of the white strip sub-card, strictly speaking, is a handling fee, which is charged on a monthly basis, and the specific rate depends on the number of installment periods, which is consistent with the installment rate of JD Baitiao, no matter how many installments are implemented according to the periodic rate. The handling fee and principal of each installment of the white strip sub-card are included in the current white strip bill, and the second installment is not supported. JD Baitiao Scorecard must be installed, and a handling fee will be charged for each period.

If you don't want to installment, you can only do it if you don't use the white stripe split card transaction. The difference between a white stripe subcard and a credit card is that when you make a purchase, the white stripe subcard deducts the amount of the white strip. In addition, the limit of the credit card is granted through the bank's assessment, and the limit of the Erbaitiao sub-card is through JD Finance.

The system is evaluated and granted. Consumption through the white stripe sub-card will deduct the amount of the white stripe, but there is also a difference between the white stripe sub-card and the JD white stripe, JD Baitiao can freely choose whether to use installment repayment, because you can choose whether to use interest-free installment, but if the amount of each order of the white stripe sub-card exceeds a certain amount, after the payment is completed, it will be repaid according to the number of installments you choose when paying, and the installment repayment of the white stripe sub-card cannot be interest-free, and interest will be generated, and the daily interest rate is generally about 5/10,000. It cannot be cancelled after the installment. If you want to pay off the remaining installments in advance, you will be charged an installment service fee.

2. Specific analysis.

After the activation is successful, you can use the white bar limit to make transfers, and when you use it, you will use the white bar limit to pay through the electronic virtual card cooperated by Bank of Shanghai and JD Finance.

2. After the WeChat Red Envelope JD Baitiao Scorecard is successfully opened and associated with WeChat, you can use the quota of JD Baitiao to send red envelopes to others, and the corresponding JD Baitiao quota will be deducted after use.

3. After offline store shopping users open the JD Baitiao sub-card, they can use the quota of JD Baitiao** to scan the code to shop in the store, and when using it, they will pay through the virtual bank account of Bank of Shanghai, and then repay through the JD Finance APP.

4. After successfully opening the JD Baitiao sub-card, you can bind the virtual launched by Bank of Shanghai on the third-party payment platform to make living payment on the corresponding page, including the payment of mobile phone bills, living water and electricity bills, gas bills, network usage fees, etc.

5. After ordering takeout JD Baitiao sub-card is bound to the third-party payment platform, you can choose the virtual account of Bank of Shanghai to pay for use when ordering takeout, and then repay in installments, which can also reduce the repayment pressure.

6. Paying travel bills JD Baitiao sub-card can pay bills when traveling through the quota of JD Baitiao, whether it is a daily taxi trip or a business trip, you can use the quota of JD Baitiao to pay.

7. Withdrawal useAfter opening the JD Baitiao sub-card and associating it with the WeChat third-party payment platform, the quota of JD Baitiao can be withdrawn for use, which is also the way to withdraw the JD Baitiao quota in compliance.

8. After the opening of the JD Baitiao Scorecard for consumption on other platforms, you can use it on other shopping platforms other than the JD platform, and no additional handling fee will be charged in this process, and you only need to repay the loan in installments on the bill date of the white strip.

Borrowers who apply for loans too often or carry out loan operations frequently will increase their personal credit risk. The higher the risk score, the more likely it is that the application will be rejected.

As an installment consumption card jointly launched by JD platform and Bank of Shanghai, JD Baitiao sub-card is an electronic bank card account, there is no physical card, only a group of virtual card numbers, so if you want to use it through WeChat, as long as the card is bound to WeChat, and then you can use it at online and offline merchants that support WeChat payment and Baitiao payment.

It should be noted that if the merchant only shows the owner's personal collection code, there is no way to pay with a white stripe score card.

Of course, you can also choose to directly present the personal collection code, and then select the white stripe sub-card as the preferred payment method, and then let the merchant use the code scanner to scan.

As long as there is an available amount in the white bar account, the system will naturally deduct it.

After that, the transaction will be directly credited to the white bill, and when the bill is out, you can repay the white bill directly.

Don't use it, whether it's installment or not, the interest rate is scary, it's scary, it cheats the dead, and the customer service is going to die if you don't deal with it.

In fact, with the help of the second and third types of bank electronic accounts, the white stripe can be bound to third-party channels for payment, such as WeChat, Alipay, and mobile phone pay, and the Bank of Shanghai after the binding is completed.

A savings card is a white strip scorecard.

That is to say, the white stripe subcard is essentially just an account, and the actual user's usage amount still comes from the white stripe limit, so naturally if you don't repay it on time when repaying, it will also be reported to the credit information center of the People's Bank of China.

It's a virtual card.

The white stripe subcard is a white strip line, and it is naturally also a small loan.

The consumption record of the white strip sub-card is on the credit report.

The white stripe subcard shares a quota with the white stripe, and since the white strip is on the credit report, the white stripe scorecard will also be on the credit report. The credit investigation on the white stripe subcard will not affect the user's personal credit, and only the bad credit record will affect the user's personal credit.

In addition, once the white bar expires or the available quota of the white bar is used up, the white bar sub-card cannot be used anymore.

Good trading and repayment history. Risks of Online Loans:

1. The virtuality of online transactions leads to the inability to verify the credit status of both borrowers and borrowers, and it is easy to cause fraud and default disputes such as non-repayment of arrears;

2. Among the large number of lender information released by online platforms, many of them are issued in the name of "loan companies" and "financing companies". In fact, only financial institutions approved by the state can engage in financial services such as credit financing, and those who engage in financial activities without authorization are often found guilty of "illegal fundraising."

illegally attracting deposits from the public" and disrupting financial management.

order and be held legally responsible;

3. If the loan is issued on behalf of the online platform, there may be a situation of fabricating loan information and illegally raising funds in the case of the online platform's negligence in self-discipline, or the failure of internal control procedures, or the use of others.

Extended Materials. What is an online loan?

P2P online lending.

That is, online lending, refers to direct lending between individuals and individuals through Internet platforms. It is a subcategory within the Internet Finance (ITFIN) industry.

Introduction to Online Loans:

Online lending includes individual online lending and online small loans. Individual online lending refers to direct lending between individuals through Internet platforms. Direct lending on individual online lending platforms is a private lending.

The scope is subject to the general principles of contract law and civil law.

and other laws and regulations, as well as the relevant judicial interpretations and norms of the Supreme People's Court. Online micro-loans refer to the micro-loans provided by Internet enterprises to customers through the microfinance companies controlled by them. Online microloans should comply with the existing regulatory regulations of microfinance companies, give full play to the advantages of online loans, and strive to reduce customer financing costs.

The online lending business is supervised by the China Banking Regulatory Commission.

Attributes of online loans: Online loans are bond investments, with clear returns, and the lender of funds obtains interest income; The public often confuses it with equity crowdfunding, which is an equity investment with flexible returns, and investors can obtain future income by investing in the company, such as Jingbei Crowdfunding and 36Kr.

and so on belong to equity crowdfunding platforms.

Whether it is bond investment or equity investment, there are certain risks, investors should fully understand the risks, have sufficient awareness and mental preparation to bear the risks, and judge and bear the risks of the project on their own under this premise.

Now is the era of credit, once there is a stain on credit, many things will be difficult to move forward. As the source of big data, once the big data is chaotic, it will be included in the credit high risk, which will affect credit reporting and life restrictions. People who do not understand credit investigation and big data can view their credit data in "Know Check" in order to understand their credit data, loan records and risk status.

It is recommended that you pay attention to protecting your big data credit records.

Regarding the white stripe scorecard you mentioned, it is a consumer credit product. White strip refers to a short-term borrowing method provided by banks or financial institutions to consumers, similar to the "installment" function of credit cards, which can be repaid in installments within a certain period of time.

The characteristics of the white stripe sub-card are convenient and flexible, and the application process is relatively simple, and consumers can choose to use the white strip to pay in installments when shopping. Specifically, consumers can apply directly through the online platform or mobile app to pay for the purchase amount in installments, without the need to pay the full amount in advance.

There are a few things to keep in mind when using a white stripe score:

1. Repayment period: The repayment period of each white strip sub-card is different, and consumers need to repay the loan on time within the specified time to avoid additional costs for overdue.

3. Credit evaluation: The application for the white stripe sub-card needs to go through credit evaluation, and the consumer's credit history will have an impact on whether the application can be successfully applied for and the amount of application.

In general, the white stripe subcard is a convenient and fast consumer credit product, which is suitable for consumers who need to pay in installments. Pay attention to repayment terms and interest charges when using them, and protect your credit history.