How to apply for JD IOUs? COM？

Users with credit cards can enter the White Slip Activity page of Jingdong Financial Channel, click the "Grab a White Slip to Win Free Tickets" button, and get the "White Slip" qualification after completing the card binding task. Users who don't have a credit card can go to the White Slip Activity page of Jingdong Financial Channel, click the button of "Grab White Slip to Win Free Voucher" and select an appointment application.

JD.COM White Bar is the first Internet credit payment product in the industry, which allows users to enjoy the consumption experience of first consumption, then payment, real-time approval and random installment, and has quickly become an industry model, establishing the position of leading brand in Jingdong Finance consumer finance industry.

In terms of positioning, JD.COM Baitiao conducts credit evaluation through big data, and provides credit payment services for users with high credit rating and consumer demand.

Users can enjoy the service of paying first and shopping in installments in JD.COM Mall, with a maximum of 24 installments. Bills can also be repaid in installments, with the lowest repayment rate and lower execution rate than bank credit cards. Jingdong Finance Consumer Finance has opened more than 1 100 million users.