JD Xiaobai Youth is a debit card product specially issued by CITIC Bank and JD Finance for college students. It is not a credit card. This card has a virtual account, which is associated with the cardholder’s JD.com A Baitiao account can be bound to WeChat and used for overdraft consumption. This means that after the virtual electronic account of this card is bound to WeChat, Baitiao's credit limit can be used for consumption.