What are the differences between Jingdong IOUS and Huabai? Which one is better
Sihai network: now many electricity providers are launching the service of first payment after consumption. Alipay has flowers. Jingdong has ious service. The essence of these two are providing 'credit card service'. Then what is the difference between Jingdong's white strip and Hua Bai? Jingdong white bars and flowers, which is better? Let's have a look.
The emergence of network virtual credit card brings more convenience to consumers, but also lets little buddies do not know how to make choices. Alipay flower and Jingdong white bar belong to the virtual credit card. They all correspond to a 'credit payment'. What is the difference between them? Which is better?
Are Jingdong white bars the same as flowers?
Although both Jingdong Baitiao and Huabai belong to online credit payment methods, they are different.
'Jingdong white bar' is a new payment method of 'consumption before payment' launched by Jingdong. If you use white bar for payment on Jingdong website, you can enjoy a deferred payment period of up to 30 days or an installment payment method of up to 24 days.
Huabai is a consumer credit product launched by ant financial. After applying for opening, it will get a consumption quota ranging from 5 million to 50000 yuan. When consuming, users can advance the amount of ant flower chant and enjoy the shopping experience of "consumption first and payment later".
Jingdong white bars and flowers, which is better?
1. Although the amount of Huabai varies from 5 million to 50000 yuan, the initial amount of Huabai for most netizens will not exceed 5000 yuan. Jingdong Baitiao is generally about 3000 to 5000 yuan, both of which are similar in amount.
2. In terms of repayment, JD has an interest free period of 30 days, while Huabai repays on the 10th of the next month of consumption, with an interest free period of 41 days at most. But Jingdong ious can be repaid in installments, which is better than Huabai.
3. If it is overdue, Huabai needs to charge a fee of 0.05% of the consumption amount, while Jingdong Baitiao charges a single-term overdue repayment rate of 0.03%, which is lower than Huabai.
Although both Jingdong Baitiao and Huabai can consume first and then pay, they are still different. They have their own advantages. Xiaobian thinks Jingdong Baitiao and Huabai are both very good financial products, which are worthy of our opening. You can also open one of them according to your own needs.