JD.COM Baitiao is a credit payment product of "consumption first, payment later" launched by Jingdong Finance. It is mainly used for scene consumption such as JD.COM Mall, and some users can withdraw cash.

White-striped card is a joint credit card product of JD.COM and Bank, referred to as "White-striped card" for short. After the activation is successful, you can choose to pay by white card when shopping online, or you can use it in online stores. It is a physical card, similar to the use of credit cards.

Related to quota evaluation:

1, JD.COM White Bar:

Until the IOU of JD.COM is activated successfully, it is impossible to query the IOU limit and make manual intervention. In order to get a higher amount of IOUs in JD.COM, it is recommended that you complete as many tasks as possible when activating tasks.

After JD.COM IOUs are activated successfully, the system will provide IOUs quota after comprehensive evaluation based on the information you fill in. The system will also provide IOUs quota for you from time to time based on comprehensive evaluation of your consumption behavior, consumption habits, repayment ability and repayment status.

2. Small white card:

The success of the small white card application after submission is audited by the bank, and the approved quota is also provided by the bank. Please refer to the amount issued by the bank after the successful application.