1 thought on “What is the difference between Jingdong's white strips, Ali's Huayan and credit cards”
Lynne
I. Application threshold It from low to high is Huayan, Jingdong white bars, and credit cards. Huayan: It is relatively simple to open the flower tadpole. Generally, as long as you fill in the information on the client, you can open it in a few minutes. Byeded white strips: slightly stricter than Huayan, judge your level based on factors such as your trading times and the number of products on the purchase of products. The higher the level, the easier it is to open. It didn't have a long time to register the JD account, and it would be difficult to buy anything through the website. Credit card: Application requires all kinds of information, identity certificate, work certificate, salary flow, etc., and then wait for the courier and wait for the courier. It will take a week to get the card as soon as possible. If you already have a credit card at hand, you want to apply for another, and it is the best choice to use the card card. Using credit cards for more than 3 months, you can apply with a copy of this card. At present, banks supporting the cards are Bank of Communications, Bank of China, Guangfa Bank, SPD Bank, and Ping An Bank. 2. Scope of use The use of credit cards: from online e -commerce, offline physical stores, and card -free payment, the use of credit cards is wide ~ It is a loan service provided by Chongqing Alibaba Small Loan Co., Ltd. for some Alipay users for consumption, supporting users to consume shopping on Taobao and Tmall. However, some parts are restricted to products that do not support Huayan payment, such as gold, silver, jewelry, etc.; At the same time, some merchants may not open the Flower Payment function receipt, which makes it unable to use the JD.com. Xiang faced the consumer finance business of Jingdong members. When consumed Jingdong, member users enjoyed the credit purchase service of "consumption and then payment". Jingdong Baijiao supports all kinds of physical products on the purchase of Jingdong website, but does not contain gift coupons, group purchase, virtual commodities, investment precious metals, etc. III, credit quota The quota from low to high is Jingdong white bars, Huayan, and credit cards. This credit card quota: The amount of credit cards mainly depends on the qualifications of the applicant. There is no limit on the amount. Generally, there are high -rich handsome in houses and high deposits. It's just a few thousand yuan. The amount of ants flowers is moderate: the credit standard of ants Huayan is judged based on the comprehensive situation of the user's use of Alipay, such as: transfer, remittance, consumption, friends relationship, consumption history, accommodation, tourism and so on. The current user credit limit is 0.50,000 yuan. The consumption quota is dynamic at the same time, and the consumption amount will increase with the user's consumption. It JD.com's white bar quota is low: JD.com's credit criteria are based on the consumer shopping records of Jingdong members in Jingdong Mall. Judging. The range of Jingdong white bars is 1000-15,000 yuan, and the general quota is from 5,000 yuan to 6000 yuan. If the user activate the white bars, how much you can spend can be used. Four, the interest-free period The short -length aspects are Jingdong white bars, Huayan, and credit cards. Jingdong Bai Bar: Upgrade the repayment of the white bar into a billing system. The 9 days after the billing day is the repayment date. In this way, the maximum interest -free period of the white bar is 40 days. Huayan: The repayment rules are repayments for the next month of receiving. Coupled with Taobao's maximum domestic automatic confirmation of the receiving period is 13 days (which can be extended once, it can be extended once, it is 3 days), that is to say, if it is properly used, it will have a 54 -day interest -free period. Credit cards: Any bank credit card, consumption the next day on the billing day, can enjoy the longest interest -free period. Different banks have different interest-free periods, but they are all in 48-56 days. 5. The installment fee rate The staging handling rate is from low to high, which are Jingdong white bars, Huayan, and credit cards. Jingdong White Strip: It can be divided into: 3, 6, 12, 24, no matter how divided into a few periods, the rate is the same, 0.5%per period. Huayan: It can be divided into 3, 6, 9, and 12 periods, and the corresponding installment fees are different. Credit cards: different banks and different card species are different, generally between 0.6%-1%per month. Different installments will also affect the rate. 6. Whether to send credit At present, Huayan has not yet received credit reporting. Is it possible in the future? I think this piece is possible. From the point of view of credit reporting, Huayan is likely to kill everyone like white bars and borrowings, and then get the credit report. It JD.com has launched credit access in March At present, Jingdong Financial Gold Strip, Bai Bar, and Jingnong Loan Business have started credit recruitment access work. It is reported that when Jingdong Baizi reported on credit reporting, the bill status of the account for nearly 3 months will be reported (whether it is a good record or a bad record), and the consumption details of each white bar will be reported. , Update this record every month, continue to update the next next month. Credit cards: Credit reporting, directly linked the central bank's credit reporting system. Good card records can lay a good foundation for our future loans to buy a house and car. . Once overdue, three consecutive or six consecutive times, it is difficult to get bank loans in the future. However, it is not too annoyed for one or two days of overdue. 99%of users do not know that credit cards have "tolerance". The so -called "tolerance service" is actually the wide limit period that we often say. Specifically refers to the card holder with a certain period of repayment width service after the issuance of the card is repayed. When repaying the repayment period, it is deemed to be repayed on time.
I. Application threshold
It from low to high is Huayan, Jingdong white bars, and credit cards.
Huayan: It is relatively simple to open the flower tadpole. Generally, as long as you fill in the information on the client, you can open it in a few minutes.
Byeded white strips: slightly stricter than Huayan, judge your level based on factors such as your trading times and the number of products on the purchase of products. The higher the level, the easier it is to open.
It didn't have a long time to register the JD account, and it would be difficult to buy anything through the website. Credit card: Application requires all kinds of information, identity certificate, work certificate, salary flow, etc., and then wait for the courier and wait for the courier. It will take a week to get the card as soon as possible.
If you already have a credit card at hand, you want to apply for another, and it is the best choice to use the card card. Using credit cards for more than 3 months, you can apply with a copy of this card. At present, banks supporting the cards are Bank of Communications, Bank of China, Guangfa Bank, SPD Bank, and Ping An Bank. 2. Scope of use
The use of credit cards: from online e -commerce, offline physical stores, and card -free payment, the use of credit cards is wide ~
It is a loan service provided by Chongqing Alibaba Small Loan Co., Ltd. for some Alipay users for consumption, supporting users to consume shopping on Taobao and Tmall. However, some parts are restricted to products that do not support Huayan payment, such as gold, silver, jewelry, etc.; At the same time, some merchants may not open the Flower Payment function receipt, which makes it unable to use the JD.com. Xiang faced the consumer finance business of Jingdong members. When consumed Jingdong, member users enjoyed the credit purchase service of "consumption and then payment". Jingdong Baijiao supports all kinds of physical products on the purchase of Jingdong website, but does not contain gift coupons, group purchase, virtual commodities, investment precious metals, etc. III, credit quota
The quota from low to high is Jingdong white bars, Huayan, and credit cards.
This credit card quota: The amount of credit cards mainly depends on the qualifications of the applicant. There is no limit on the amount. Generally, there are high -rich handsome in houses and high deposits. It's just a few thousand yuan. The amount of ants flowers is moderate: the credit standard of ants Huayan is judged based on the comprehensive situation of the user's use of Alipay, such as: transfer, remittance, consumption, friends relationship, consumption history, accommodation, tourism and so on. The current user credit limit is 0.50,000 yuan. The consumption quota is dynamic at the same time, and the consumption amount will increase with the user's consumption.
It JD.com's white bar quota is low: JD.com's credit criteria are based on the consumer shopping records of Jingdong members in Jingdong Mall. Judging. The range of Jingdong white bars is 1000-15,000 yuan, and the general quota is from 5,000 yuan to 6000 yuan. If the user activate the white bars, how much you can spend can be used. Four, the interest-free period
The short -length aspects are Jingdong white bars, Huayan, and credit cards. Jingdong Bai Bar: Upgrade the repayment of the white bar into a billing system. The 9 days after the billing day is the repayment date. In this way, the maximum interest -free period of the white bar is 40 days.
Huayan: The repayment rules are repayments for the next month of receiving. Coupled with Taobao's maximum domestic automatic confirmation of the receiving period is 13 days (which can be extended once, it can be extended once, it is 3 days), that is to say, if it is properly used, it will have a 54 -day interest -free period.
Credit cards: Any bank credit card, consumption the next day on the billing day, can enjoy the longest interest -free period. Different banks have different interest-free periods, but they are all in 48-56 days. 5. The installment fee rate
The staging handling rate is from low to high, which are Jingdong white bars, Huayan, and credit cards.
Jingdong White Strip: It can be divided into: 3, 6, 12, 24, no matter how divided into a few periods, the rate is the same, 0.5%per period. Huayan: It can be divided into 3, 6, 9, and 12 periods, and the corresponding installment fees are different. Credit cards: different banks and different card species are different, generally between 0.6%-1%per month. Different installments will also affect the rate.
6. Whether to send credit
At present, Huayan has not yet received credit reporting. Is it possible in the future? I think this piece is possible. From the point of view of credit reporting, Huayan is likely to kill everyone like white bars and borrowings, and then get the credit report.
It JD.com has launched credit access in March
At present, Jingdong Financial Gold Strip, Bai Bar, and Jingnong Loan Business have started credit recruitment access work. It is reported that when Jingdong Baizi reported on credit reporting, the bill status of the account for nearly 3 months will be reported (whether it is a good record or a bad record), and the consumption details of each white bar will be reported. , Update this record every month, continue to update the next next month.
Credit cards: Credit reporting, directly linked the central bank's credit reporting system. Good card records can lay a good foundation for our future loans to buy a house and car.
. Once overdue, three consecutive or six consecutive times, it is difficult to get bank loans in the future. However, it is not too annoyed for one or two days of overdue. 99%of users do not know that credit cards have "tolerance".
The so -called "tolerance service" is actually the wide limit period that we often say. Specifically refers to the card holder with a certain period of repayment width service after the issuance of the card is repayed. When repaying the repayment period, it is deemed to be repayed on time.