Generally speaking, the credit card bound to JD Baitiao can be repaid directly, but there are bank regulations.

Currently, credit cards from mainstream domestic banks such as Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, and China Construction Bank can repay JD Baitiao. However, China Merchants Bank and Bank of Communications have successively stopped this business, so they cannot repay Jingdong Baitiao.