Generally speaking, JD.COM IOUs cannot repay credit cards. JD.COM IOUs are used to allow users to make overdraft consumption because they consume first and then repay. In a sense, JD.COM IOU is a virtual credit card, so it cannot be used to repay the credit card.

It is worth noting that credit cards can repay JD.COM IOUs, but only the credit cards of China CITIC Bank and China Everbright Bank can repay JD.COM IOUs. The rest of the banks are not allowed to repay JD.COM's debt by credit card.