This is how I understand this: 1. Credit cards compete with Jingdong Baitiao. Jingdong Baitiao is similar to credit cards. They are both overdraft consumption services. In the past, credit cards were supported to repay Baitiao. The main reason is because JD Finance cooperates with banks. But the bank may not be happy with it. After all, only by swiping a credit card can you get a profit, and using a credit card to pay back the credit card will make less profit, and it feels like making a wedding dress for others. So Jingdong Baitiao made an announcement, saying that it would integrate products and services, so it closed the function of credit card repayment of Baitiao. In addition, Jingdong Baitiao has upgraded all order systems to billing systems. Now it is no longer possible to support credit cards to repay Baitiao. You must use a savings card or money from a small vault to repay Baitiao. 2. Paying back IOUs with credit cards transfers risks. Jingdong IOUs are actually consumer loan products, and credit cards are also considered small loan products. Therefore, using credit cards to repay IOUs is an act of repaying loans with loans, and transfers the risk of IOU defaults to the bank. , the bank will definitely not be happy, and this is also not allowed by the regulatory authorities. Therefore, in order to avoid risks, JD Finance was forced to turn off the credit card repayment function under pressure. The above is the relevant introduction to "Why Jingdong Baitiao does not support credit card repayment". No matter what the reason is, it is an ironclad fact that the credit card cannot repay the JD.com IOU. There is no need to dwell on the reason. After all, the fact has been established and cannot be changed.