京东白条可以提前还清。账单制白条可以在结清当期账单后,对未出账单或剩余全部待还款金额进行提前还款。还款金额可以手动输入,但不可低于10元。订单制白条可以针对单笔订单提前还款或对多笔订单进行提前合并付款。
操作路径:
1、未出账单提前还款
电脑端操作路径:【京东金融首页】-【我的资产】-【我的白条】-【未出账单】-【全部还清】
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京东金融APP操作路径:【京东金融App首页】-【白条】-【X月未出账单】-【提前还清】
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2、账单制白条剩余待还全部还清
电脑端操作路径:【京东金融首页】-【我的资产】-【我的白条】-【未出账单】-【全部还清】
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京东金融APP操作路径:【京东金融App首页】-【白条】-【X月账单】-【全部白条账单】-【一次还清】
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3、订单制白条提前还款
电脑端操作路径:【京东金融首页】-【我的资产】-【我的白条】,选择需要还款的订单合并支付或直接选择全部待还款中某一期订单“立即还款”
①、合并支付:
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②、单笔订单支付:
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京东金融App操作路径:【京东金融App首页】-【白条】-【近七日待还】/【本月待还】-【全部账单】-【白条】,选择需要还款的订单“立即还款”,跳转至收银台页面,按照页面提示完成支付,还款成功
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白条提前还款,还款的金额会恢复成额度,这样并不会导致白条额度被降低。长期不使用白条,或者白条逾期还款过、征信中有逾期还款的记录,系统重新评估白条账户后,才有可能降低白条额度。至于用户选择分期还款、最低还款、提前还款,均不会影响白条的额度。
白条提前还款虽然有利于恢复一部分可用额度,但是会缩短白条的免息期,因此是否要提前还款需要用户自行决定。
不清楚自己网黑大数据情况的,只需要搜索:小七信查,点击查询,输入信息即可查询到自己的百行征信数据。不过随着百行征信的成立,以后几乎网贷逾期都会影响个人信用,大家借钱时一定要注意量力而行。
扩展资料:
京东白条提前还款会不会影响额度?
京东白条提前还款对授信额度并不会有多大的影响,本身白条就是支持提前还款的。大家可以放心,系统一般不会因为用户提前还白条就直接降额。不过若用户开通白条后本来就不经常使用,偶尔几次消费也总是很快提前还清的话,可能不利于额度提升。
当然,只要是按时还的款,没有造成逾期就行。若是还款逾期了,那就会导致个人信用受损,势必也会影响到白条额度。系统很可能会因此降低额度,逾期情节严重的话,还很可能会直接冻结额度,导致无法再使用白条。
如果用白条消费后并没有办理分期,那一般可享10到40天左右的免息期,不用提前还款以达到减少利息的目的,其实在到期还款日(含)之前按时还上就行了,只要存钱进小金库或者绑定的银行卡里,到了还款日系统就会自动扣款。
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