JD.COM White Bar is a credit consumption tool owned by JD.COM, which is similar to Alipay Flower Bar. Different from Huayuan, some white users can get the qualification to withdraw the lead mausoleum. “JD。 COM White Strip is the first Internet credit payment product in the industry, which allows users to enjoy the consumption experience of "consumption first, payment later, real-time approval and arbitrary installment", and has quickly become an industry model, laying the position of leading brand in Jingdong Finance consumer finance industry. In positioning, "JD. COM White Strip is a credit payment service for users with high credit rating and consumer demand through the credit evaluation of big data. Users can enjoy the service of paying first and shopping in installments in JD.COM Mall, with a maximum of 24 installments. Bills can also be repaid in installments, with the lowest repayment rate and lower execution rate than bank credit cards. Jingdong Finance Consumer Finance has opened more than 1 100 million users.

Second, the reasons for the failure to activate the white bar:

There is no consumption record on the 1.JD.COM platform. This is the main reason why the activation of white bars failed, and many people have the same problem. Because there is little shopping in JD.COM, the platform does not have enough data to judge users' credit status, so it cannot be enabled naturally.

2. Personal information is not perfect. After registering a JD.COM account, everyone can improve their personal information. The more perfect the information, the more the system can fully judge your credit degree and give you the opportunity and amount of IOUs.

3. Too many activations. The activation times of JD.COM White Bar are limited, usually twice a month. Therefore, it is not recommended to try again immediately after the activation fails twice a month. You can use JD.COM temporarily and apply again next month. The official customer service of JD.COM Baitiao said that if the system prompts "I can't provide you with Baitiao service for the time being", frequent operation may affect the success rate.

4. Malicious violation record. Usually there is no reason to return goods online for seven days, but many people use loopholes to return goods maliciously. If there is such behavior, it is difficult to activate the white bar.