First of all, let’s popularize what JD Baitiao is. JD Baitiao is a consumer finance business for individual consumers. Based on the credit system of JD members, users can enjoy the “consume first, pay later” service when consuming on JD.com. Payment" credit purchase service, just like a credit card. Everyone knows that after using a credit card to make purchases, you must repay on time, otherwise it will be considered overdue. The same is true for JD.com Baitiao, which means that after using Baitiao to shop on JD.com, you must also repay within the specified time, otherwise once it is overdue You need to pay liquidated damages to JD.com. When it comes to daily repayment, there are two main repayment methods for JD.com, one is to bind a debit card for repayment, and the other is to bind a credit card for repayment. However, Not all credit cards can support IOU repayment. Only the credit cards of Everbright and CITIC Bank can support IOU repayment.
So, why can’t CITIC Credit Card pay back the IOU? Some card friends may ask, you said that CITIC Bank’s credit card can support repayment of i-tiaos, so why can’t you repay your i-tiaos? I have struggled with this issue for a long time and have been constantly seeking answers online. The answers I got were that IOUs can be repaid with CITIC credit cards. As for the inability to repay, it is most likely due to the product you are trading, so you can only find the reason from your transaction records. After searching around, I finally discovered that the products purchased on JD Global can only be repaid with a debit card, not a credit card. So I first used my debit card to pay off the IuTiao debt I purchased from Global Shopping, and then used my CITIC credit card to pay other IuTiao debts, and everything went smoothly.