CITIC JD.COM Baitiao No.2 Card is a credit card issued by CITIC Bank. The amount of credit card spending is within 200 yuan, and the amount of JD.COM Baitiao account is used; If the spending amount of credit card is ≥200 yuan, use the account limit of Xiaobaiwo Card; When the available amount of Xiaobai account is insufficient, all the consumption amount will be paid by Xiaobai Erka account. When the balance of the small white card is insufficient, the transaction will fail, and the setting of the consumption amount cannot be changed temporarily.