The credit cards on this platform are formal.

JD Credit Card is a co-branded credit card product between JD.com and banks. It has the functions of a general credit card and also has exclusive rights and interests. The chance of a successful JD credit card application mainly depends on whether the applicant meets the application requirements for a JD co-branded card. For Chinese citizens who have good personal credit, are between the ages of 18 and 65, have legal and stable employment income, and have full capacity for civil conduct, it is easier to apply for a JD.com co-branded card.

Jingdong Credit Card is a formal credit card issued by Jingdong Co-branded Bank.