When JD.COM Baitiao changed from repayment method to bill form, JD.COM Baitiao no longer supported credit card (debit card) repayment, and now users can only use savings card or Jingdong small vault to repay.
JD.COM IOUs is a payment method introduced by JD.COM. Users can use IOUs to run payment on JD.COM's website and enjoy post-payment or installment payment during the accounting period.