What does it mean to be interest free for 12 periods of white stripes

No interest for 12 months.

Definitions

Interest-free installment payment means that the bank cooperates with the merchant to provide a certain product or service to the credit card holder, and the bank first pays the full amount of the product purchased by the cardholder to the merchant in a lump sum.

Interest-free installment refers to the cooperation between the bank and the merchant to provide a certain product or service to the credit card holder, and the bank first pays the full amount of the product purchased by the cardholder to the merchant in a lump sum, and then the cardholder uses the credit card to repay the bank in installments, as long as the installment amount of the current period is repaid before the due date of each month, no interest is paid.

PrecautionsIt's not completely free, and you have to pay a certain fee to the bank.

The ** of the goods they buy is higher than the market **.

The 12-installment interest-free of white strip means that the user's white strip applies for repayment in 12 installments, during which only the principal of the loan needs to be repaid without the installment handling fee.

When the user's repayment ability is insufficient, the user can use the 12-period interest-free discount to reduce the repayment ability. Of course, as long as the white strip is used, the user needs to repay the loan on time.

If the user is overdue, the overdue interest will not be reduced.

In addition to providing users with the convenience of buying now, paying later and installments at will, Baitiao has launched the official creative product store - Time Grocery Store, which adheres to strict aesthetic standards and quality standards to create and select a variety of beautiful and interesting life gadgets for users, and jointly establish a healthy and high-quality life attitude with young people.

Jingdong white strips. While bringing convenience to users, it also pays great attention to the security of users being stolen by JD Baitiao. In the whole process of account login, activation, transaction, information modification, etc., JD Digital.

Tiance decision engine system.

Tiandun account security and anti-fraud system and Tianwang transaction risk monitoring system conduct background security scanning and real-time calculation of each account behavior, identify malicious behaviors and high-risk orders, and connect with the first-class distribution system to achieve the last mile of delivery for high-risk orders.

Interception, Jingdong white strip anti-theft brush is a unique advantage in the industry.

Set up a green channel for feedback on fraud problems in the service, and establish a special processing process, JD Finance.

Customer service will give priority to verification and processing. For users who are determined to have been stolen, they will be exempted from repayment responsibilities, and special treatment will be given to relevant accounts, which will not affect the user's credit investigation.

JD Finance will not allow black industry elements to go unpunished and infringe on the interests of consumers. For the discovered large-scale and cumulative infringement of the safety of consumer funds, JD Finance has established a green communication channel with **, fed back information at the first time, and used scientific and technological means to actively cooperate with ** to solve the case.

In February 2014, Baitiao was on JD.com**.

Launched, it provides users with "consume first, pay later" and "30-day interest-free, installment at will" services when shopping, becoming a model of innovation in the industry.

These include a white strip co-branded credit card created in cooperation with banks; Cooperate with third-party merchants to provide services such as "white slip" installment travel, renting, decoration, car purchase, education, etc., and have a special consumer finance for campus and rural people. In the tank.

Interest-free white strips mean that when the white strips are installment, the corresponding installment service fee will be reduced. If you are eligible for interest-free installment at the time of white slip payment, you do not need to pay the installment service fee, please check the box at the cashier and confirm the use of the coupon.

The normal operation steps are as follows:

1. Select the appropriate product on JD.com** and click [Add to cart];

2. After entering the shopping cart settlement, the page jumps to the order settlement page, where you can use Beijing coupons, East coupons, gift cards, shipping coupons, etc., and you need to manually check the coupon in the [Use Discount Gift Card Credit] column, and submit the order after confirmation;

3. After submitting the order, enter the cashier page and select the number of periods limited by the coupon coupon, at this time, the page will prompt that there is an installment service fee, click the [Please Select] button to check the coupon and confirm;

4. The page will display the coupons that have been used, and the installment amount column will prompt that the service fee is 0, please complete the payment at this time.

The meaning of 6 interest-free installments is that when you pay in installments, you can repay the first 6 installments without paying installment interest or installment service fee.

Generally, the premise of 6 interest-free installments is that the purchased goods support installment payment, and the number of installments is not less than 6 installments.

Generally, the number of installments available is divided into 3 installments, 6 installments, 12 installments, and 24 installments, which are subject to the number of installments available on the actual page.

It is important to note that if you choose to pay in installments and then make the minimum payment, the remaining unpaid amount may not still be eligible for interest-free treatment.

The specific situation varies according to the regulations of different shopping platforms and different payment methods, and the final amount displayed on the page shall prevail.

White 6 interest-free means that after using the 6 installments of white bar, you can enjoy the right to free service fee for 6 white periods. If you have any other questions, please contact the financial customer service for inquiries.

That is, there is no interest within six months of borrowing, and it is still very suitable to buy something you like very much, but if you don't have the financial ability, you still don't use it, because it is very uncomfortable to repay.

"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".

Tips: The above content is for reference only. If you need funds, you can log in to Ping An Pocket Bank APP-Finance-Loans-Loans to learn more about various loans of Ping An Bank and try to apply.

White strip – IOU; Interest-free – no interest; 6 installments – 6 months; Six months each month to repay the total amount of 1 6 on it. That is to say, if you don't have enough cash now, you can take away your phone by making an IOU first, and then pay back the money every month without interest.

Baitiao interest-free is a new payment method launched by JD.com that "consumes first, pays later".

With a white slip payment on JD.com**, you can enjoy a postponement payment period of up to 30 days or an installment payment method of up to 24 installments, which is the industry's first Internet consumer financial product.

Jingdong Baitiao pays 12 interest-free periods, which means: 12 installments are free of handling fees (service fees), there are interest-free activities or interest-free coupons for the purchase of goods, you can choose to play white strips when paying], and check the corresponding interest-free discount in the discount column, please refer to the display on the discount page for details.

2. Interest-free precautions:

1) Use coupon interest-free: verify whether the goods in the order meet the conditions for using the coupon, whether the number of installments meets the coupon interest-free requirements, whether the coupon expires, and the white strip coupon cannot be used in the same order, and an order can only enjoy the white stripe discount once.

2) If you are using the store without coupon interest-free, it is recommended to carefully check the rules of the event page to verify whether the products in the order meet the interest-free conditions.

3) To use the white strip coupon, you need to select the white strip payment and select the corresponding installment number on the checkout page after submitting the order, and select the optional white strip coupon that needs to be used for payment.