No. JD.COM IOUs belong to credit products. As long as we repay the loan on time, there is no problem with the credit information and it will not affect the provident fund loan. JD.COM White Bar is the first Internet credit payment product in the industry, which allows users to enjoy the consumption experience of "consumption first, payment later, real-time approval and arbitrary installment", and has quickly become an industry model, laying the leading brand position of Jingdong Finance in the consumer finance industry.