Credit cards of China CITIC Bank and China Everbright Bank can return IOUs. In addition, those banks can only withdraw cash by credit card first, deposit the withdrawal amount of credit card into the savings card, and then use the white strip to bind the savings card to repay.

It should be noted that there is no grace period service for IOUs in JD.COM. Anyone who fails to repay the arrears on time within the prescribed repayment period is overdue. Once the IOUs are overdue, they will not only generate overdue interest, but also upload overdue records to the central bank's credit information system.