What does "white stripes" mean in JD.COM? How to apply?

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 going out. Users can directly purchase the supporting products of tourist white stripes on the platform of cooperative travel merchants.

Tourism white-stripe support goods: travel routes and air tickets provided by cooperative travel merchants under the tourism and holiday category? Packaged holiday products such as hotels that support the payment of white bars for travel.

First, the application conditions of the travel receipt

1, citizen of Chinese mainland

2. 18-55 years old

3. No bad credit record.

4. Have repayment ability.

Second, the specific description of tourist white bars

1. Tourism White Bar temporarily supports domestic and overseas tourism products.

2. Travel modes include free travel, group tour and cruise.

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 signed travel contract.

7. The applicant for a tourist visa must be one of the travelers.

Third, the application process of travel IOUs

1, APPlication process of jingdong financial app:

Application path: Jingdong Financial APP- White Strips-Consumption Staging-Travel-Down Payment Tour

Application steps:

1. Open the Jingdong Financial APP, select the white page, and click the consumption installment.

(2) After entering the stage selection, click the plane icon.

(3) authorize "down payment travel financial transaction terminal"

4 Jump to the down payment tour page and select the corresponding service.

⑤ After selecting the travel planning product, click OK! Go to the book. "

6. After selecting the travel date and other information, click OK! Next, there will be a prompt page for binding the down payment travel account.

⑦ After logging in, add the traveler's information.

⑧ After jumping to the cashier interface, select the payment method "down payment".

Pet-name ruby Select the number of periods to complete the payment operation.

2, computer application process:

Application path: Jingdong Finance Home-White Strip-Travel White Strip

Direct link:/

Application steps:

(1), enter the home page of Travel Xiaobai.

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 relevant information and submit the order.

6. Select the segmentation scheme.

7. Complete the payment

Four. Expense description

Down payment: choose 3/ 10 installment, the down payment is 1/3 of the total amount, and the remaining 2/9 installments. The repayment principal of each installment is equal to the down payment, 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 99,999 yuan, divided into three phases:

Down payment = order amount/installment number = 9,999/3 = 3,333 yuan.

Total installment service fee = (order amount-down payment amount) * service fee rate * number of remaining installments = (99,999 yuan-3,333 yuan) *0.5%*2=66.66 yuan.

2. The order amount is 10000 Yuan, divided into 10 installments:

Down payment = order amount/installment number =10000/10 =1000 yuan.

Total installment service fee = (order amount-down payment amount) * service fee rate * number of remaining installments = (10000 yuan-1000 yuan) *0.5%*9? =405 yuan

List example:

You paid RMB 3,000 for the goods or services purchased on 20 15 10/day. Choose to pay in three installments, and the service fee for each installment is 0.5%: