1. Concept: \x0d\ The main content of JD.com’s IOU is that consumers can apply for a personal loan payment of up to 15,000 yuan when shopping on JD.com and repay it in installments within 3 to 24 months. \x0d\　A credit card refers to a consumption tool issued by a bank and gives the cardholder a certain credit limit. The cardholder can consume within the credit limit and then repay. \x0d\ 2. The differences between Jingdong Baitiao and credit cards: \x0d\ 1. The scope of use is different. Baitiao Card can only be used in JD.com, while credit cards can be used in all walks of life across the country and even abroad. \x0d\　2. Interest-free is different. Baitiao Card requires a certain amount of interest to be paid in installments, while credit cards have an interest-free period of up to 50 days. \x0d\　3. The amounts are different. The maximum limit of Baitiao card is only 15,000, while the limit of credit card is tens of thousands or even hundreds of thousands or higher.