According to the seller's website, JD.COM White Slip is a consumer credit service, which allows you to split the bill, pay in installments or repay in advance when shopping. The advantages of using JD.COM white bars include:

Flexible installment: you can choose different installment payment methods according to your shopping needs, which makes shopping more flexible.

there is no need to prepay: IOUs usually have an interest-free period, so you can repay before the end of the interest-free period without paying extra fees.

Convenient shopping: White bars are closely combined with JD.COM platform, which makes shopping more convenient, especially when shopping in large quantities.

JD.COM Gold Bar: JD.COM Gold Bar is a deposit-type financial service, and you can deposit funds in the gold bar account to earn interest. The benefits of using JD.COM gold bars include:

capital appreciation: after the funds are deposited in the gold bar account, you can get the corresponding interest, and the funds can gradually increase in value.

security: gold bar accounts usually have higher security, which makes your funds more secure.

Withdraw money at any time: You can withdraw money from your gold bar account at any time to meet urgent or other expenses.

it shows that gold bars are better.