China Merchants Bank said that the overdraft of credit cards of commercial banks (excluding Huinong credit cards serving agriculture, rural areas and farmers) should be used in the consumption field and not in other non-consumption fields such as production, operation and investment. JD.COM IOUs are essentially a loan product, which does not belong to the category of credit card consumption. Therefore, it is illegal to use a credit card to "repay the loan by loan" or "white note".
However, with the exception of China Merchants Bank and Bank of Communications, ICBC, Agricultural Bank of China, Bank of China, China Construction Bank and other banks' credit card repayment business in JD.COM has not been affected.