What is Jingdong installment plan?

JD.com installment service, also known as installment service, is an exclusive service provided by JD.com to customers who maintain good ITB usage records. Customers pay the usage fee in installments based on the selected product model and duration. After the service expires If the machine is returned and meets the return standards, the service will end, achieving the purpose of enjoying a good machine at a low price.

Jingdong’s installment service fee has a rate problem, and each installment service fee = consumption principal × installment service rate (month). Each installment service fee = consumption principal × installment service rate (month). Each installment service fee is charged together with the principal of the current period, and the service fee is about half of similar bank business.

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Extended information:

Jingdong Return the product by installment: You need to click on the return application within one month after the last repayment date, and deliver it to the courier within the time prompted on the page. If it exceeds the deadline, it will be considered that the application for return of the product will not be made, and the remaining purchase fee will need to be paid.

Amount payable for goods purchased in installments: The amount payable for goods purchased in installments is divided into the down payment and the amount to be paid in each installment. The down payment is the first installment. For example: the down payment amount is 199 yuan, the amount required for each installment is 219 yuan, and the installment plan is used for 12 installments. The cost is 199+219*11=2608 yuan.

About repayment: After the IOU expires, JD.com will remind users to repay through in-site messages, mobile phone text messages, emails, phone reminders, sending letters, door-to-door visits, judicial channels, etc., and will also remind users if necessary. An external agency will be commissioned to provide reminders.

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