Dongbaitiao is a payment tool launched by JD Finance, which can be used to make payment first and then repay. Users who have opened Baitiao can use Baitiao to overdraw their consumption when shopping in JD.COM Mall. This shopping method provides people with more convenience, and some friends will accidentally miss the repayment date in the process of using Baitiao, which leads to overdue. Many friends are very concerned about whether Baitiao has been connected to the central bank's credit investigation.

JD.COM White Strip is a credit tool launched by JD Finance that can overdraw in advance. Its essence is similar to the familiar credit card. It can be said that JD.COM White Strip is a virtual credit card product. As Jingdong Finance is connected to the central bank's credit information system, JD.COM Baitiao also received credit information at the meeting.

The IOUs are not only overdue, but users normally use JD.COM IOUs, and their usage records will be uploaded to the central bank's credit information system. However, users don't have to worry too much about the credit information on IOUs, because JD.COM IOUs will not upload every consumer record to the credit information system, but report the credit information in the form of monthly bill summary.

JD.COM IOUs are only connected to the credit information system in response to regulatory requirements. After all, regular loan platforms have been connected to the credit information system. Therefore, in the process of using IOUs, you don't need to worry too much about credit information at IOUs meetings. Normal use of IOUs in JD.COM will not have a negative impact on your personal credit information.

However, if the user fails to repay the arrears on time within the stipulated repayment period in the process of using JD.COM IOUs, and the overdue record will be uploaded to the central bank's credit information system, which will have a bad influence on our personal credit. Therefore, in the process of using JD.COM IOUs, we must pay attention to maintaining a good repayment record and avoid overdue behavior.

After users use JD.COM White Bar, if they are temporarily under repayment pressure and unable to repay in full, then in order to avoid the adverse effects caused by overdue, users can choose to repay in installments or repay the minimum repayment amount, so as to avoid overdue due to inability to repay. It is recommended that you use credit products reasonably at ordinary times to avoid the repayment burden caused by excessive overdraft.