JD.COM staged tourism
JD.COM Tourism White Strip is a product of tourism installment payment launched by Jingdong Finance.
The detailed explanation is as follows:
1. JD.COM Tourism White Strip is a service product of Jingdong Finance. As one of the major e-commerce platforms in China, JD.COM provides a variety of financial services to meet the needs of consumers. Tourism white strip is one of them, designed for tourism consumption.
2. The installment payment function of tourist IOUs provides convenience for consumers. Because travel expenses are usually high, many consumers may not be able to pay all the expenses at once. The installment payment function of tourist IOUs allows consumers to spread the expenses over several months, thus reducing the economic pressure.
3. The premise of using JD.COM tourist white stripes is that users need to have a good credit record. Jingdong Finance will decide whether to give users the qualification of installment payment and the corresponding amount according to their credit status. Users need to ensure timely repayment when using travel IOUs, so as not to affect their credit records.
4. The use of tourist white stripes in JD.COM is very flexible. Users can choose to pay by installment when purchasing tourism products, and choose the appropriate installment period according to their own needs. In addition, users can also choose the appropriate repayment method according to their own economic conditions to ensure the smooth repayment.
Generally speaking, JD.COM White Slip is a convenient travel installment payment product, which provides consumers with more choices and convenience. However, attention should also be paid to maintaining a good credit record when using it to ensure timely repayment.
JD.COM Travel White Strip is a travel credit service launched by Jingdong Finance, and users can travel only by paying the down payment before traveling. Users can directly purchase tourism white-strip support goods on the platform of cooperative tourism merchants.
Tourism white-note support products: products such as tourist routes, air tickets and hotels provided by cooperative travel merchants that support tourism white-note payment.
First, the application conditions of tourist IOUs
1. Chinese mainland citizens
2, 18-55 years old
3. No bad credit record.
4. Have repayment ability.
Second, the specific description of tourist white bars
1. Tourist white bars temporarily support domestic and overseas tourism products.
2. Travel modes include free travel, group tour and cruise.
3. The destination is the first landing city after leaving the country.
4. The return date shall not be earlier than the travel date.
5. Travel white bars only support orders of up to 6 people per order, including adults and children.
6. The number of adults and children shall be subject to the signing of the travel contract.
7. The applicant for tourist white stripes must be one of the travelers.
Third, the application process of tourist IOUs
1. Application process of Jingdong Financial APP:
Application path: [jingdong financial app]-[white note]-[consumption installment]-[travel]-[down payment tour]
Application steps:
(1), open the jingdong financial APP, select the blank page, and click on [Consumption Staging].
(2), after entering the stage selection, click on the plane icon.
(3) authorize the "down payment travel financial transaction terminal"
④ Jump to the down payment tour page and select the corresponding service.
⑤ After selecting the travel plan products, click OK! Go to book. "
6. After selecting information such as travel date, click OK! Next, there will be a prompt page for binding the down payment travel account.
⑦ After logging in, add the information of the traveler.
⑧ After jumping to the cashier interface, select the payment method "down payment".
Pet-name ruby, select the number of installments to complete the payment operation.
2, computer application process:
Application path: [Jingdong Finance Home Page]-[White Strip]-[Travel White Strip]
Direct link:
Application steps:
(1), enter the tourism white home page.
②. Select products.
③ Check the scheme, and click "Book Now" after confirming the date.
④ Enter the mobile phone verification code.
⑤ Fill in the relevant information and submit the order.
⑥. Choose the staging scheme.
⑦. Complete payment
IV. Description of expenses
Down payment: choose 3/10th installment, with the down payment being 3/10th of the total amount and the remaining 2/9th installment. The repayment principal of each installment is equal to the down payment amount, and the installment service fee of each installment will be added to the repayment principal of each installment.
Installment service fee = consumption principal × installment service rate (month)
Liquidated damages = unpaid amount payable × proportion of liquidated damages × days of default
For example:
1. The order amount is 9999 yuan, divided into three phases:
Down payment = order amount/number of installments =9999/3=3333 yuan.
Total installment service fee = (order amount-down payment amount) * service fee rate * number of remaining installments =(9999 yuan -3333 yuan) *0.5%*2=66.66 yuan.
2. The order amount is 10,000 yuan, divided into 10 installments:
Down payment = order amount/number of installments =10000/10=1000 yuan.
Total installment service fee = (order amount-down payment amount) * service fee rate * remaining installments = (10,000 yuan -1000 yuan) *0.5%*9=405 yuan.
List example:
On January 1, 2015, you paid for the goods or services you purchased at RMB 3,000 by using tourist white bars, and chose to pay in three installments, with the service rate of 0.5% for each installment:
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