In the past, many people would apply for a credit card, but now that the Internet is becoming more and more developed, many shopping software have also launched credit cards. For example, JD.com has launched JD.com Baitiao Credit Card. Is this credit card trustworthy? 1. What is Jingdong Baitiao?

Jingdong Baitiao is a privilege for Jingdong members. They can shop first and pay later. If they are not satisfied with the goods they purchased, they can choose to return them without paying, so many people will handle this business. , and JD.com members of any level can enjoy this privilege. Jingdong Baitiao allows consumers to shop first and then pay on Jingdong, and the limit reaches 15,000 yuan. The editor feels that this can be regarded as a kind of credit card, a kind of credit card, which means consumption first and repayment later. After consumption, Jingdong Baitiao must be repaid in installments within 3 to 24 months. If it is not repaid, it will form a debt and be on the credit report list. In September 2015, JD.com Baitiao received approval from the China Banking and Insurance Regulatory Commission and issued a fund on Huatai Securities, which has now been listed for trading. 2. Is JD Baitiao credit card trustworthy?

As a large shopping platform, JD.com has many users and is backed by the JD Group as a guarantee, so JD Baitiao’s credit card is relatively trustworthy. Jingdong Baitiao can be bound to many credit cards. Currently, it supports the binding of credit cards from banks such as Industrial and Commercial Bank of China, Agricultural Bank of China, and Minsheng Bank. However, relevant people also pointed out that JD Baitiao is equivalent to Huabei developed by Ant, and cannot be repaid with a credit card. Therefore, if your credit card bound to JD.com must be repaid from the balance, otherwise it will form a debt. 3. Summary

Many people who like to shop on JD.com will bind their credit cards to their JD Baitiao, which is also very safe and reliable. At present, JD Baitiao supports the binding of credit cards from multiple banks, and some invited users can also bind to some special banks, such as Shanghai Pudong Development Bank. Jingdong Baitiao's repayment also has two forms, one is interest-free for 30 days and then repaid, and the other is repaid within 3 to 12 months. The specific repayment method can be chosen according to your own needs.