The small vault opens a white strip, can you withdraw it with 100

"JD Baitiao" is the industry's first Internet credit payment product, allowing users to enjoy the consumption experience of "consumption first, payment later, real-time approval, and installment at will", which quickly became a model in the industry and established JD Finance's position as a leading brand in the consumer finance industry. For users who do not have the permission to open the white bar, it is also more convenient to adopt this method, but it should be noted that the ratio of the amount required by the small treasury to the amount of the white bar is 1:1, and the general user can open the white bar by depositing 100-30000 in the small gold inventory through JD Finance.

Depositing a small vault to open a white bar is a new way to activate the white bar, you can deposit 100 yuan to 30,000 yuan of funds in the JD small gold inventory through JD Finance, and obtain the qualification to activate the white bar, and the ratio of the amount required by the small vault to the amount of the white bar is 1:1.

The white bar quota range is 100 yuan to 30,000 yuan, and each time the limit is raised, it needs to be a multiple of 100, and the decrease will be based on the actual consumption situation, for example, the limit is 500 yuan, and the arrears are 150 yuan, which can be reduced to 150 yuan at this time.

If you need to unfreeze the small vault that was frozen when the white slip was opened, you need to log in to the JD Finance APP [White Strip - White Bar Available Quota - Quota Management] to lower the limit (the lower limit is the current white bar arrears), and the pocket money funds of the JD Small Treasury will be unfrozen immediately after the adjustment, and you can transfer it out after unfreezing.

The quota range for opening a white bar through JD Small Treasury is 500 yuan to 30,000 yuan, and the ratio of the amount required by the small vault to the white bar quota is 1:1.

The amount of white bars opened in the small treasury is determined according to the funds you deposit into the small treasury pocket money, and the amount of white bars opened in the small treasury ranges from 100 to 30,000 yuan, and the ratio of the amount required by the small treasury to the amount of white bars is 1:1.

The white bar that shows the small vault requires you to deposit money into the small vault, which is equivalent to the appearance of the margin, and the money deposited can be withdrawn directly with interest every day.

But if you use it, you pay with white strips, for example, if you put 500 yuan in Xiaojin inventory, you will have a limit of 500 for white strips, and a limit of 1000 for saving 1,000, which is relative, if you want to withdraw the money inside, you also need to pay off the white strips before you can withdraw it.

Opening method: Deposit small vault to open white bar is a new way to activate white bar, you can deposit 500 yuan to 30,000 yuan of funds in JD small gold inventory through JD Finance, and obtain the qualification to activate the white bar, the ratio of the amount required by the small vault to the amount of white bar is 1:1.

If you meet the activation conditions, the activation result page will show you the entry of the "Deposit Small Treasury Open Strip".

1. White strip charging standard (order system):

1) Calculation of the installment service rate for white strip orders: The installment service rate for white strip bills is monthly). Calculation formula: installment service fee for each installment = consumption principal installment service rate (month).

2) Calculation of liquidated damages for white orders: The liquidated damages rate for white orders is daily). Calculation formula: Total liquidated damages = total unpaid amount payable (all outstanding principal + all outstanding instalment service fees) * liquidated damages rate * number of days of default.

2. White strip charging standard (bill system):

1) Calculation of the installment service rate of the white strip bill: The installment service rate of the white strip bill is monthly). The calculation formula is: installment service fee for each installment = installment principal installment service rate (month).

2) Calculation of the daily service fee of the white bill bill: The daily service fee of the white bill system is from (day). If you do not repay the loan in full on the last repayment date, the remaining outstanding amount will be charged a daily service fee.

The calculation formula is: daily service fee = (total amount expected to be repaid - actual repayment amount) daily service rate number of days.

3) Tips: When the user encounters temporary financial pressure, the bill installment function can be used: as long as the bill installment is operated before the bill date and the repayment date, after the installment is successful, the installment amount will be repaid in the first installment of the next bill, and the installment amount does not need to be repaid in the month when the installment amount is issued, so as to reduce the user's financial pressure.

4) Calculation of liquidated damages for white bills: The liquidated damages rate for white bills is daily). If the minimum repayment amount is not paid off before the repayment date, the system will charge a penalty on a daily basis in addition to the daily service fee.

The calculation formula is: liquidated damages = (total amount expected to be repaid - actual repayment amount) liquidated damages rate number of days of default (when the actual repayment amount is less than the minimum repayment amount of the current period).

5) Tips: When users encounter temporary financial pressure, they can use the bill installment function: as long as the bill installment is operated before the bill date and the repayment date, after the installment is successful, the installment amount will be repaid in the first installment of the next bill, and the installment amount does not need to be repaid in the month when the installment amount is issued, so as to reduce the user's financial pressure.

Opening a white bar does not mean that you can open it after entering the identity information, showing that the small vault opens a white strip that requires you to deposit money into the small vault, which is equivalent to the appearance of a margin, and the money deposited can be withdrawn directly with interest every day, but the use of the word is to pay with the white bar, for example, if you go to the small gold inventory of 500 yuan, you will have a limit of 500 for the white bar, and there will be a limit of 1000 for a thousand deposits, which is relative, if you want to withdraw the money inside, you also need to pay off the white strip before you can withdraw it.

Extended Materials. First, there is no way to open a white slip in a small treasury.

There is no way to open a white bar in a small vault, which means that this opening method is not suitable for users, and users can try other ways to open a white bar. Of course, users must meet the conditions for activating a white bar in order to have a chance to successfully activate a white bar. For users, the activation result of the white bar is subject to the display of the system, and manual intervention is not possible to intervene in the result.

In addition, if the deposit of the small vault is opened with white bars, the funds of the small treasury will be frozen after the opening is successful, so that users can use the amount of white bars.

2. How to open JD Baitiao?

There are many ways to open JD Baitiao, and users can choose the channel to open according to their own situation.

1. Activate the white bar on the shopping checkout page. When purchasing goods on JD Goods, you can directly choose to pay with white bars, so that you can activate white bars.

2. JD delivery staff has the authority to recommend users to open, which is also a good opportunity for users.

3. By using JD Finance's customer small treasury and pocket money functions, you can also obtain the activation qualification of white bars.

3. Are there any conditions for the opening of the white strip?

1. Users who open Baitiao must be between the ages of 18 and 60.

2. Users must have a JD account and a past consumption record, and the more transactions the better. And the recipient's mobile phone number is in use, and make sure it belongs to the account person.

3. The personal information of the JD account must be completed, such as real-name authentication, delivery address information, and payment and deduction order, which can be set to credit card first.

4. The higher the credit score of the JD account, the better, and the JD shopping record is good, including no overdue, no bad reviews, no malicious refunds, etc.

5. If you want to increase the chance of opening, you can buy JD Finance's wealth management products. If you have capital, you often spend money to buy some **products,Choose the one with a short redemption time as much as possible**,Let JD know that users have good financial habits and repayment ability,Increase the probability of white bar activation。

Differences: The features are different.

JD Small Treasury is an asset value-added service created by JD Finance for individual users, and the transfer to JD Small Treasury is to purchase currency and wealth management products from **company**. JD Baitiao is an Internet consumer financial product, which is a payment method of "consume first, pay later" launched by JD.com.

The scope of use is different.

JD Small Treasury integrates the shopping payment, fund management, consumer credit and investment and financial management needs of JD users, from e-commerce to finance, JD's personal account system has formed a complete closed loop. JD Baitiao has opened up JD Daojia, global shopping, and product crowdfunding in the JD system, extending from credit purchase services to providing credit consumer loans, covering more consumption scenarios and providing consumers with credit consumption services.

The benefits are different. JD Small Treasury can purchase Currency** products to obtain additional income from Currency**. JD Baitiao is not available for the purchase of currency** products, and there is no additional income.

Extended Materials. 1. What does it mean to open a white note in Jingdong's small treasury.

1. What is JD Xiaojincun?

The funds deposited by the user into the small treasury are actually purchased a currency**, and the new user deposited into the small treasury is the default purchase of China Life Security-Zengjinbao currency**.

However, the funds in the small treasury can also be used at any time, including the purchase of wealth management products, ** and **, etc., as well as the opening of white bars and the return of white bars.

2. What is Jingdong Baitiao.

Baitiao is a payment method of JD.com that consumes first and pays later, and its model is similar to Alipay Huabei. However, the use scenarios of JD Baitiao are different, and they are mainly supported to be used in JD's self-operated **, No. 1 store and other places.

Jingdong Baitiao is the same as Huabei, users cannot take the initiative to apply, and the system decides whether to activate it according to the user's creditworthiness.

JD deposit small vault to open white bar is a way for JD to provide users with a way to activate the white bar, users deposit a certain amount of funds into the small treasury account, you can get the opportunity to apply for the opening of white bar.

The amount of funds deposited must be the same as the amount of white bars, that is, when the amount of white bars is 1,000 yuan, then the amount of deposits in the small gold deposit cannot be less than 1,000 yuan.

However, saving money in the small treasury can only get the opportunity to activate the white bar, and whether it can be successfully activated still needs to wait for the system to review, which means that when the system judges that the user's credit is not high, even if the small gold has money in the bank, it cannot open the white bar.

Second, is it cost-effective for Jingdong to save a small vault to open a white strip?

The amount deposited into the small vault will be temporarily frozen when the white bar is opened, and from the perspective of overdraft consumption, the advantage of opening the white bar in the small vault is not prominent, because the amount of overdraft means how much must be deposited in the small vault.

However, although the frozen funds cannot be used, it does not affect the expected income of the currency**, which is similar to the Alipay reserve, which can be borrowed in the short term to obtain the expected return of a small investment.

I opened a white slip with JD's small vault. However, the amount of the white bar is determined by the amount of money deposited into the small treasury. And the money in the small treasury is frozen.

Now I want to ask. If. I deposited 30,000.

The amount of white bars is also 30,000. Then if I use up the 30,000 of the white bar quota. Is the money in the small vault unfrozen and withdrawn to the bank card?

You must pay off the 30,000 yuan of the white strip before you can take out the money from the small treasury.

It's good to open a white strip, and it's good to use a white strip to consume, and to consume first and pay later.