JD。 COM IOUs is a loan product, and it is illegal to repay by credit card. Overdraft of personal credit cards of commercial banks (excluding Huinong credit cards serving agriculture, rural areas and farmers) should be used in consumption areas, not in non-consumption areas such as production, operation and investment. JD.COM IOUs do not belong to the category of credit card consumption. Choosing to use the bank credit card to repay the loan after using the JD.COM IOU is an act of "repaying the loan with a loan", and there is compliance risk.

After China Merchants Bank and Bank of Communications closed the channel for returning IOUs with credit cards, the test found that if JD.COM IOUs were repaid by fast payment, the savings cards and credit cards of ICBC, China Construction Bank, Agricultural Bank, China Bank, Minsheng Bank, Guangfa Bank, Huaxia Bank, China Everbright Bank, Postal Savings Bank, Jiangsu Bank, Hangzhou Bank, Ping An Bank, China CITIC Bank, Shanghai Bank and Shanghai Pudong Development Bank could all be paid. Bank of Beijing and Bank of Nanjing only support credit card repayment; China Merchants Bank, Bank of Communications, Industrial Bank and Bank of Ningbo only support savings cards. In online banking repayment, there is also a credit card of 16 bank to support repayment.