1. Scope of application: The application scenarios of JD.COM Credit Card are mainly limited to JD.COM Mall and its cooperative merchants, and they often shop on other e-commerce platforms or spend more on external occasions. This credit card is not suitable.
2. Limitations of repayment methods: JD.COM offers the option of installment payment and bill installment, but these services will involve extra handling fees or interest, which will increase the cost of cardholders.
3. Unsafe personal information: In the process of applying for and using JD.COM credit card, you need to provide sensitive information including ID number, home address and contact number. The disclosure of this information will lead to serious privacy and property losses.