If you have a credit card, enter the Baitiao activity page of JD Financial Channel, click the "Grab Baitiao to win a free order" button, and after completing the task to bind the card, you can obtain the qualification of "Baidiao". Users who do not have a credit card can enter the Baitiao activity page of JD Financial Channel, click the "Grab Baitiao to win a free order" button, and choose to make an appointment to apply for it.

JD.com Baitiao is the industry’s first Internet credit payment product, allowing users to enjoy the consumer experience of consuming first, paying later, real-time approval, and instalment at will. It has quickly become an industry model and established JD Finance’s role in consumer finance. Industry leading brand status.

In terms of positioning, JD Baitiao is a credit payment service that uses big data to conduct credit assessment and provides users with high credit ratings and consumer needs.

Users can enjoy use-now-pay-later and installment shopping services on JD.com for up to 24 installments. Bills can also be paid in installments and minimum repayments, and the interest rate is lower than that of bank credit cards. JD Financial Consumer Finance has over 100 million users.