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When paying with a credit card to buy a watch on JD.com, does it count as a credit card payment or a cash withdrawal?

It is treated as a credit card.

All credit cards have online payment functions, including Qpass, ETC, recharge mobile phone bills, game currency, etc.

The difference between credit card consumption and cash withdrawal consumption.

Credit card swiping can enjoy an interest-free period of a minimum of 19 days and a maximum of 65 days. However, there is no interest-free period for cash withdrawals, and corresponding withdrawal fees must be paid for cash withdrawals. Interest is calculated on the same day.