legal. Zhongyuan Bank JD.COM Co-branded Card is a credit card issued by China Merchants Bank, Shanghai Pudong Development Bank, Ping An Bank and other banks in conjunction with JD.COM Technology. The card was released in 222, and it is a regular brand protected by official website's certification law. It is legally registered and certified by the Ministry of Industry and Information Technology, and holds formal and legal business documents. It belongs to a legal credit card, and its business scope is also within the scope permitted by law. It is legal. The credit card is mainly used for online payment and code scanning payment after the card is tied on major third-party platforms.