Jingdong’s credit cards have three levels: regular card, gold card and platinum card. The limit of regular card is 3,000 to 10,000; the limit of gold card is 10,000 to 50,000; the limit of platinum card is not less than 5,000. The credit card limit is reviewed and approved by the bank, and is issued to the user after passing the review. Generally, this limit is determined based on the applicant's qualifications, income, etc.

Can I get a loan directly with my ID card?

No. To apply for a loan, you need to meet the following conditions:

1. The applicant has a fixed residence in the location of the loan bank, has a legal permanent residence or a valid residence permit, is over 18 years old, and has full civil capacity.

2. The applicant has a stable job and income, and has the ability to repay the loan principal and interest on time.

3. The applicant has good personal credit and willingness to repay, and has no bad credit record.

4. The applicant can provide legal, effective and reliable guarantee recognized by the bank.

5. The applicant has a clear purpose for the loan, and the purpose of the loan meets relevant requirements.