There is a new way to borrow money. You can borrow money from Liu to pay back your credit card! JD.COM gold bars are only aimed at some users with good credit in JD.COM. So, is it cost-effective to borrow money from JD.COM Gold Bar to pay back the credit card? Up to RMB 654.38+million can be withdrawn through JD.COM Gold Bar, and the repayment can be made in installments of 1, 3, 6 and 12 months. JD.COM gold bars are priced with differentiated credit and expected annualized interest rate, and the expected annualized interest rate per day does not exceed the expected annualized interest rate, which is converted into the expected annualized interest rate of JD.COM gold bar loan, with a 20% discount during the activity period, that is, the expected annualized interest rate on the loan day. The annual interest rate of gold bars in JD.COM is different from the daily interest rate. Comparatively speaking, the annual interest rate is much cheaper than the daily interest rate. If you borrow 10000, you only need to pay back more than 900 a year, but if you pay back more than 1000 every day.