IOU is a financial function in JD.COM, which is similar to credit card, that is, spending first and then paying. You don't need to pay back immediately after you pay for shopping with IOUs. The IOU will pay the bill at a fixed time every month, and then there will be a repayment date. You can repay on time before the repayment date.
The difference between JD.COM white stripes and flower buds is as follows: flower buds need to be used through Alipay, and JD.COM white stripes need to be used through JD.COM; The application range of flower buds is wider than that of white stripes; Flowers can't be cashed out, and white bars provide cash withdrawal function; White bars can be paid in combination, while flowers do not support combined payment; White stripes will receive credit information, and only some users of Huabai will receive credit information.