The Xiaobai Youth Card is not a credit card. The CITIC Xiaobai Youth Card is a debit card product issued for college students following the JD Xiaobai Card series. It has two accounts: electronic account and physical card account.

Although the CITIC Xiaobai Youth Card is a debit card rather than a credit card, as long as the cardholder binds their virtual account to WeChat, they can use the JD Baitiao quota to enjoy overdraft and interest-free convenience.

You can use Xiaobai Youth Card Baitiao credit for offline WeChat QR code consumption and online consumption channels that support WeChat payment.