CITIC Baitiao TWO Card is a credit card issued by CITIC Bank. If the amount of card consumption is less than 200 yuan, use the Baitiao account limit; if the card consumption amount is ≥ 200 yuan, use the Xiaobai Two card account limit; it is available in JD Baitiao account. When the credit limit is insufficient, the entire consumption amount will be paid from the Xiaobai Two card account. When the balance of the Xiaobai Two card is insufficient, the transaction will fail.

1. Application process: Activate JD Baitiao-JD Finance APP application-bank card verification-send card-interview-card activation

2. Application entrance:

a. Apply in JD Finance APP-Baidiao-Baidiao Selection. Currently, only some users can see it.

b. JD Financial APP- Me-My Baitiao-Xiaobai TWO Co-branded Card

3. Consumption:

a. After the customer initiates the transaction, such as If the consumption amount is less than 200 yuan and the IIT quota is sufficient, the IIT transaction will be carried out; if the IIT quota is insufficient at this time, the CITIC quota will be triggered and the CITIC transaction will be carried out

b. If the consumption amount is greater than 200 yuan and the CITIC quota is sufficient, the IIT transaction will be carried out CITIC Transaction

c. If neither the IOU nor the CITIC quota is sufficient, a prompt will appear indicating that the quota is insufficient and the transaction will fail

4. Refund:

Initiate order refund , the system will automatically match the original consumption order. If it can be matched to a Baitiao order, it will determine whether the order has been repaid. If it has been repaid, the money will be returned to the customer's account; if there is no repayment, your Baitiao limit will be restored. .

5. How to activate the CITIC Baitiao TWO card: The card can be activated through SMS, WeChat, and phone calls. If activation is not performed, the card cannot be used; if it is not activated within 90 days after the interview is completed, the card will become invalid.

6. Can I apply for CITIC Baitiao TWO card without activating Baitiao? No

7. What is the limit of CITIC Baitiao TWO card: CITIC Baitiao TWO card is divided into double limit card and There are two types of 0-limit cards. The dual-limit card means that you have both a limit approved by CITIC Bank and a white-tiao limit. The 0-limit card only has a white-tiao limit and does not have a bank-approved limit.

8. Does the Baitiao limit of CITIC Baitiao TWO card support cross-border transactions: Not supported

9. Under what circumstances will the Baitiao limit of CITIC Baitiao TWO card be used: 0 limit card or If the order amount is less than 200 yuan, if the Baitiao account status is normal, the Baitiao credit will be used

10. How long does it take to review the CITIC Baitiao TWO card: 1-15 working days