Xiaobai Card is a credit card co-branded by JD.com and Baitiao. When applying for this kind of credit card, users need to ensure that the information of the Xiaobai Card account applicant is consistent with the information of JD Finance and Baitiao accounts. After the small white card passes the review, you will have the opportunity to obtain the white ticket qualification, but the final result will be based on the result of online activation.

Xiaobai Card cooperates with many banks, so the discounts received by each user may be different, which mainly include discounts for overseas shopping, comparison shopping, air tickets and other discounts.

When applying for a Little White Card, you need to be between 18 and 60 years old, and have good personal credit. The main application methods are through bank counters and JD.com applications. After submitting the information, the bank will review it. After the review is passed, You can only get the credit card later and activate it before you can use it.

1. Advantages of co-branded cards

1. Easier to apply for a card

Banks and merchants cooperate. In order to achieve maximum success, they definitely hope to issue as many co-branded credit cards as possible, so that merchants Activities are also easier to promote, so the threshold will be very low. Basically, as long as you apply, you can get the card.

2. There are more activities

Generally speaking, friends who apply for joint credit cards go there for merchant activities or bank activities, but the participation rate is relatively high. For example, for the Walmart card for transportation, there is a 2.5% credit fee for swiping the card from Saturday to Thursday, and an even 5% credit fee for swiping the card on Friday. The card credit can be used directly for shopping at Wal-Mart supermarkets, or you can purchase a shopping card and use it.

If the merchant’s activities are strong, cardholders will be more interested in using the card and will introduce it to their friends. This is also a win-win approach.

So if you apply for a co-branded card, you can enjoy more benefits and benefits.

3. Easy to increase the limit

If you want to increase the limit of a credit card, you usually need to use it more. Many banks only look at the number of uses, not the amount used.

As for co-branded credit cards, there are more activities and higher participation, so the number of credit card swipes will definitely be higher. The more you use it, the faster the limit will be increased. If your credit card limit is high, it will be easier to apply for a high-limit credit card with a card.

4. Special discounts

In order to attract repeat purchases, merchants stipulate that only co-branded cards can enjoy discounts on certain designated discounted products. This is done by using cash or Treatments that cannot be enjoyed in other ways. Some shopping malls with higher profits even stipulate that as long as you spend with a co-branded card, you can enjoy various discounts.

5. Points

Points are a function that all co-branded cards have. Whenever a card holder spends money at a co-branded merchant, the merchant will give corresponding points according to the consumption amount, and specially prepare some very special gifts, and stipulate that they can only be received with consumption points, in order to attract consumers to shop.

6. Additional services

Co-branded cards can enjoy more user-friendly services. For example, car co-branded cards will come with insurance or maintenance services, real estate co-branded cards have owner services, and supermarket co-branded cards Free card bus rides and so on.