Baidiao is a payment tool launched by JD Finance, which can be used to pay first and then repay. Users who have opened Baitiao can use Baitiao overdraft when shopping in JD.COM mall. This method of buying now and repaying later provides people with more convenience. Some friends will accidentally miss the repayment date and become overdue in the process of using Baitiao. Many friends are very concerned about whether iTiao is linked to the central bank’s credit report

. JD.COM Baitiao is a credit tool launched by JD Finance, which allows them to overdraft their consumption in advance. The essence is to familiarize themselves with credit cards. Since JD.com Finance is connected to the central bank’s credit reporting system, JD.COM Baitiao also received credit reporting information at the meeting.

Not only are Baitiao overdue, users use JD.COM Baitiao normally, and their usage records will be uploaded to the central bank’s credit reporting system. However, users do not need to worry too much about the credit information on Baitiao, because JD.COM Baitiao does not upload every consumption record to the credit reporting system, but reports credit information in the form of a monthly bill summary.