What is a points card?

fenfenka refers to JD Baitiao FenfenCard, which is a kind of savings card; it is a virtual card jointly launched by JD Baitiao and Bank of Shanghai; the consumption channel of Baitiao FenfenCard and credit card It's the same. You can bind third-party channels, that is, bind WeChat, Alipay, etc., and you can consume in these scenarios.

The operating environment of this tutorial: Windows 7 system, Dell G3 computer.

What is the score card?

fenfenka refers to JD Baitiao Fenfenka.

Baitiao Fenfen Card is a kind of savings card, and it is essentially different from a credit card. It is a virtual card jointly launched by JD.com Baitiao and Bank of Shanghai. Baitiao Fenfen Card is a combination of credit card and Baitiao Fenfen Card. The consumption channels are the same and can be bound to third-party channels, which means that by binding WeChat, Alipay, etc., you can consume in these scenarios. Baitiao Fenfen Card is jointly launched by JD.com and Bank of Shanghai. It is an installment consumption card that can be bound to third-party payment channels.

Currently, the Baitiao sub-card has a quota limit, and the specific limit is determined by the JD platform system evaluation and review. The JD Baitiao points card can use the Baitiao credit in non-JD payment scenarios. Baitiao Fenfen Card can be regarded as the automatic installment business of JD Baitiao. As long as you use the Fenfen Card, transactions will be automatically installment based on the number of installments selected when opening, and you need to pay part of the principal and fees for each installment.

Baitiao Fenfen card interest is strictly speaking a handling fee, which is charged monthly. The specific rate depends on the number of installments. It is consistent with the installment rate of JD Baitiao. No matter how many installments it is, it is 0.5 %/period rate is implemented. The handling fees and principal of each installment of Baitiao points card are included in the current Baitiao bill, and secondary installments are not supported. Jingdong Baitiao Fenfen Card must be paid in installments, and a 0.5% handling fee will be charged for each installment. If you don’t want to pay in installments, you can only do it without using Baitiao split card transactions. The difference between Baitiao Fenfen Card and credit card is that Baitiao Fenfen Card deducts Baitiao's limit when making purchases. In addition, the credit card limit is assessed and granted by the bank, and the Erbaitiao Fenfen card limit is assessed and granted through JD Finance’s system. Baitiao's credit limit will be deducted from Baitiao Fenfen Card when you consume it, but there are differences between Baitiao Fenfen Card and JD Baitiao. JD Baitiao can freely choose whether to use installment repayment, because you can choose whether to use interest-free installments, but Baitiao Fenfen Card If the amount of each order on the card exceeds a certain amount, after the payment is completed, the repayment will be based on the number of installments you selected when paying. Moreover, the installment repayment of the Baitiao Fenfen Card is not interest-free and will generate interest, with a daily interest rate. Under normal circumstances, it is about 50%, and it cannot be canceled after the installment. If you want to pay off the remaining installments in advance, you will be charged an installment advance service fee.

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