JD Baitiao has nothing to do with credit cards. If you have a JD Baitiao limit, you can activate it with a savings card.

The main content of "Jingdong Baitiao" is that consumers can apply for a personal loan payment of up to 15,000 yuan when shopping on Jingdong, and repay it in installments within 3 to 24 months.

Application conditions:

JD.com’s “Baidiao” is a consumer finance business for individual consumers, based on the credit system of JD.com members. When users consume on JD.com, they enjoy the credit purchase service of “consume first, pay later”.

Users need to log in to their JD.com account in order to apply for the credit limit of "Baitiao", including parameters such as the user's number of transactions and the number of purchased goods, which are classified by JD.com in the name of "combat effectiveness". The public beta page also shows that the top three users with credit quotas have about 15,000 yuan of "white strips" credit.

"Baidiao" also allows users to enjoy policies such as interest-free repayment within 30 days. It is understood that users can choose two different consumption payment methods: deferred payment for up to 30 days, or installment payment within 3-12 months; repayment within 30 days is interest-free, and the first installment rate is 0.5, and 12 installments have a fee of 6 Rate. JD.com said that "Baidiao" can complete the application and credit granting process online in real time within one minute, and the service fee is only half of similar services from banks.