JD’s interest-free installment plan cannot be used with credit cards. No, JD.com only allows special card users to apply for installments, and they cannot use credit cards for installments. This is because the Jingdong Credit Card is a savings card and cannot be used for installment payments with a credit card. Under what circumstances cannot you apply for Jingdong's interest-free installment? You can pay in installments, so you cannot use credit cards to pay in installments.

1. Can I use a credit card for JD.com’s interest-free installment plan?

JD’s interest-free installment plan cannot be used with credit cards.

No, JD.com only allows special card users to apply for installments, and they cannot use credit cards for installments. This is because the Jingdong Credit Card is a savings card and cannot be used for installment payments with a credit card. In this case, you cannot apply for Jingdong interest-free installment, but you can pay in installments, so you cannot use credit card for installment.

2. Interest-free operation method?

1. Online merchants:

(1) Purchase good products on JD.com and select on the order settlement page Use Baitiao as a payment method, select the appropriate number of installments according to your own needs and repayment ability, confirm that the transaction amount and other information are correct, and then perform password verification.

(2) After the transaction is successful, the system will immediately deduct the corresponding amount from the customer's Baitiao account to pay for the transaction, and the customer will wait for confirmation of receipt, and the transaction will be credited to the account.

After the bill comes out, you can repay it monthly according to the selected number of installments (you also need to pay a certain installment service fee, but some merchants also offer interest-free installments).

2. Offline merchants:

(1) Activate the Baitiao Quick Pass function, scan the payment code presented by the merchant at the checkout counter through the JD Finance APP, and select Baitiao as the payment method. After confirming that the transaction amount is correct, proceed to password verification.

(2) Or you can directly show your JD payment code (note that Baitiao should be selected as the priority debit account), and then let the merchant scan your payment code with a code scanner to make payment.