The first card is a series of JD.COM cards (JD.COM co-branded card, JD.COM automatic installment card and JD.COM iQiyi co-branded card). The billing date is 10 per month, and the due repayment date is generally around 25th after the billing date (4th or 5th of each month, whichever is shown in the bill).

The credit card is valid for no more than five years, and it will automatically expire when it expires. However, the creditor-debtor relationship caused by the cardholder's use of the credit card is not affected by the expiration of the credit card, the cancellation of the card or the cancellation of the credit card account.