if you pay off the credit card bill on schedule every month, there will be no interest, just like credit card consumption and online payment. Isn't it possible to borrow money and repay it in installments just like credit in JD.COM? This should be a financial service provided by JD.COM, similar to a virtual credit line provided by JD.COM. You may need to register with a credit card, because JD.COM may determine the amount of IOUs given to you based on the credit card approved by the bank. However, when actually shopping, I use the white line, so I just need to repay JD.COM every month, and there will be interest if I don't pay on time. It wasn't deducted from the credit card.