;? I like shopping on Jingdong Mall, but how can I do it without I Tiao? The 30-day interest-free period and the ability to pay in installments are simply a magical tool for online shopping for those who want to shop. However, not everyone is lucky enough to have it. If you want to activate Baitiao, you must first meet some conditions. Some friends here will ask, do I need to bind a credit card? Next, let me introduce to you whether there is any relationship between JD Baitiao activation and credit cards. As far as we know, Jingdong Baitiao is a consumer credit product under JD Finance. After qualified users activate Baitiao, they can make purchases on Jingdong Mall and then repay Baitiao. Its essence is similar to that of a credit card. You can first Overdraft and consumption, but the interest-free period is only 30 days. After the 30-day interest-free period, you can still apply for installments, and you only need to pay a portion of the principal and handling fees for each installment. As for whether a credit card is required to activate Baitiao, let’s first take a look at the application conditions of JD Baitiao, and then learn about the activation process of Baitiao.

1. Application conditions for Jingdong Baitiao 1. Jingdong real-name authenticated users, mainland Chinese residents aged 18-60; 2. The account has passed the comprehensive evaluation of the system, mainly based on the user’s number of transactions and The quantity of goods purchased is used as a parameter to evaluate. 3. Bind a bank card, but it can only support some debit cards and credit cards from some banks.

2. Can I activate Baitiao without a credit card? Jingdong Baitiao only requires binding bank cards, and bank cards can be divided into debit cards and credit cards, but there is no restriction to binding credit cards, so we can also think that binding debit cards is also possible. Just fill in your name, ID number, and common address in JD Baitiao's Baitiao activation service and online banking wallet, and bind the bank card for real-name authentication to activate Baitiao. This bank card can be a savings card or a credit card. If activation fails, it may be due to other reasons, such as insufficient overall score, etc. Here are some suggestions to help you open Baitiao: 1. Increase and maintain better JD consumption records. 2. Purchase and use JD Finance’s financial products and services. 3. Open Xiaobai credit and improve Xiaobai’s credit score.