We know that JD.COM Xiaobai Card is a credit card issued by United Bank of JD.COM, so many small partners will think that JD.COM Xiaobai Card is a credit card. In fact, this concept is generally correct, but there are actually some cards that are not credit cards. Let's take a look at these special cards.

Is the small white card in JD.COM a credit card?

The small white card in JD.COM is issued by a bank. At present, there are 12 cooperative banks, such as China Merchants Bank, Bank of Communications, ICBC, Guangfa, CITIC, etc. Most of the small white cards in JD.COM issued by these banks are credit cards. The only one called CITIC Xiaobai Youth Card is not a credit card, but a savings card that can overdraw the white line with WeChat, and the other in Zhang Guangfa is a pure virtual card.

So, is the small white card in JD.COM a credit card? The answer is no.

Let's take a look at these special cards:

1. For most users, the JD.COM Xiaobai cards that can be applied for by official website or Jingdong Finance (including official website and APP) through bank credit cards are all credit cards. If you want to apply for CITIC Xiaobai Youth Card, you need to get an invitation from JD.COM, and only a few users aged 18-35 have the opportunity.

2. In addition, there is a special case, that is, Guangfa's Xiaobaicloud card, which is a pure electronic virtual card with credit card function, and there is no physical card issued. This card can be processed quickly through the official channels of Jingdong Finance and consumed immediately.

In short, not all the small white cards in JD.COM are credit cards, among which CITIC Xiaobai Youth Card is a savings card, and other JD.COM Xiaobai cards issued by other banks are credit cards.

Summary: So, is the small white card in JD.COM a credit card? The answer is no. There is also a savings card and an intelligent virtual card.