Ping An JD Baitiao Card is a credit card jointly launched by Ping An Bank and JD Digital. It is essentially a credit card product, but compared with ordinary co-branded cards, it It has its own characteristics. Because only specially invited Baitiao users can apply, and they can only apply on JD Finance or JD Client.

Currently, Baitiao Card is only open to some customers. After the customer applies to JD Finance or JD.com client, Ping An Bank will conduct a secondary review and approval of the customer based on the information filled in by the customer to decide whether to issue a credit card. and credit line. After receiving the card, new users need to sign and activate it offline. Through tests by some users, we found that Ping An Bank Baitiao Credit Card has an exclusive credit limit compared to other credit cards. It remains to be seen whether the accounts will become independent in the future.

To sum up, although Ping An Jingdong Baitiao Card is a credit card, it is still somewhat different from ordinary credit cards. After all, it will leave some traces of Jingdong. Consumers applying for Baitiao credit cards need to go through double review by JD Digital and Ping An Bank, so not everyone can use Baitiao credit cards.