Hua Xia Xiaobai Card, CITIC Xiaobai Card, China Merchants Bank Xiaobai Card, and Shengjing Bank Co-branded Card are more recommended. At present, JD.com has cooperated with more than a dozen banks to issue co-branded cards, including China Everbright Bank, Bank of Communications, China Merchants Bank, Hua Xia Bank, CITIC Bank, Bank of China, Changsha Bank, Shengjing Bank, Bank of Shanghai, Beijing Rural Commercial Bank, and Bank of Guangzhou. , Dongguan Bank, Jinshang Bank, Mintai Bank, and Nanjing Bank have issued nearly 30 types of credit cards.

JD.com co-branded card refers to a credit card jointly issued by JD.com and a bank. The credit card will have the word JD.com on the card surface. This kind of card is generally a JD.com co-branded card. In addition to being jointly issued by JD.com and banks, JD.com co-branded cards usually also have some JD.com-related rights and interests. Users who frequently use JD.com Mall and JD.com Finance can get more discounts when applying for this type of card.

As for the annual fee collection, it is mainly based on the level of the JD.com co-branded card. The better the card level, the more the annual fee will be charged.

Take CITIC JD.com co-branded credit card as an example:

CITIC JD.com Baitiao Co-branded Card is a cross-border product jointly launched by CITIC Bank Credit Card Center and JD Finance. CITIC JD.com Baitiao Co-branded Card is The credit card is a co-branded credit card. Its consumption points can be accumulated directly, which can be used in Jingdong Mall. Shopping in Jingdong Mall is also more convenient and offers discounts.

Disadvantages of credit card products

1. Credit cards can easily lead to excessive consumption. This is a common problem among people who are in credit card debt. It is painful to swipe a card without paying money, so they spend even more uncontrollably by swiping the card.

2. The annual interest rate of credit cards is as high as 18%, which is really a usury and can cause borrowers to lose money quickly.

3. Credit card debt brings mental stress. Some card slaves report that they are often afraid to open their mailbox or mail.

4. If your credit is not good, the cost of borrowing money will be higher, or you may even be unable to borrow money.

5. Credit cards provide a choice of using debt to support debts or drinking poison to quench thirst, causing debts to get out of control.

In addition, many "benefits" are actually hidden traps.

1. Short-term preferential interest rates are ultimately worth the loss. A certain percentage of people let emergency financing turn into long-term debt. Therefore, don’t be tempted by short-term low interest rates and make unnecessary borrowing.

2. Too much personal credit limit is not only not evidence of good credit (repayment record is), but it is a risk in the eyes of financiers, which may push up the borrowing interest rate.

3. Gifts from reward programs often collect dust in the garage. Instead of spending money to get gifts, it is more cost-effective to save money directly.