Many friends have opened Baitiao on JD.com and also have a CITIC credit card. They want to use Baitiao to shop on JD.com and then use their credit card to repay Baitiao, so that they can get a longer interest-free period. So, can CITIC Credit Card repay I Tiao? Let’s find out together below. Jingdong Baitiao is an advance overdraft consumption function of Jingdong Finance. Its function is similar to that of a credit card. After overdraft consumption, you can enjoy a 30-day interest-free repayment period, and then use a credit card to repay the i-tiao, and you can enjoy an interest-free period of more than 50 days at most. However, not all credit cards can repay Iu Tiao, so before repaying Iu Tiao, we must first determine which credit cards can repay Iu Tiao.

1. Can I pay back the IOU with CITIC Credit Card? Not all banks’ credit cards can be used to repay Jingdong Baitiao, because in the eyes of banks, commercial bank personal credit card overdrafts should be used in the consumption field and cannot be used in non-consumption fields such as production, operation, investment, etc. Jingdong Baitiao is a kind of payment provided by Jingdong Mall to customers. For loan products, if you use a credit card to repay the loan, it is clearly a "loan to repay loan". To put it bluntly, it is "tear down the east wall to pay for the west wall". Banks will bear great risks, so most banks have stopped the business of repaying IOUs with credit cards. Only two banks, such as China Everbright and CITIC, have cooperated with JD Finance. , so you can still use your credit card to pay off the IOU.

2. How to repay Baitiao with CITIC Credit Card 1. First of all, you must have a CITIC Credit Card. It doesn’t matter if you don’t have a credit card. You can click here to apply. 2. Enter JD Baitiao, find the amount you should repay this month, and click Combine Repayment; 3. Select the repayment method as CITIC Credit Card on the repayment page, enter your credit card payment information, and follow the step-by-step operation to repay Baitiao. .