You don’t need a credit card, and bank cards can also be bound.

Process:

1. First log in to the JD.com website and click Login on the homepage.

2. Enter your JD.com account and click to log in.

3. Log in successfully, enter the homepage, and click My JD.com.

4. On my JD.com page, find JD.com Baitiao in the left column and click to enter.

5. Enter the JD.com Baitiao page. The activation is about to begin. Click the Activate Now button.

6. It prompts you to bind a bank card. If it has already been bound, skip this part; if the bank card is not bound, click to bind it.

7. Select the bank card information to be bound (it can be a credit card or a debit card) and click Next after completing the input.

8. Enter the bank card information and click Next.

9. Message of successful binding.

10. Go back to step 5 and continue to click Activate Now to enter the data entry of the receipt information. This information cannot be changed after submission. After filling in, click the Activate Now button.

11. After successful activation, you will see the IOU quota and transaction details.