Users can directly log in to JD Finance APP to apply for JD.COM. COM's credit card online. However, Jingdong Financial APP is only a platform for applying for credit cards, and the review of credit cards still needs to be carried out by the issuing bank. Whether it can pass the audit depends on the personal comprehensive credit. In addition, users can also apply for a JD.COM credit card through the official channels of the issuing bank.