If users don't have JD.COM IOUs, they can use credit card installment, North China installment or willful installment.

1. Credit card installment payment can be bound to JD.COM Finance. You can use your credit card to shop in JD.COM Mall, and you can pay by installments after the bill comes out.

2. Flower beds can be purchased in installments in Taobao, and you can choose flower beds on the payment page.

3. willful installment: You can buy goods in Suning.cn Mall, pay by installment on the payment page, or pay by installment after the bill comes out.