You can't. JD.COM Baitiao supports repayment by small coffers, personal savings cards and other people's savings cards (online banking repayment or friend repayment), but does not support repayment by electronic cards, credit cards, WeChat, Alipay and other payment methods, and can voluntarily repay or set up automatic deduction when due. Therefore, JD.COM IOUs cannot be repaid with a bound credit card.