How is the amount of debt owed by JD.COM determined? Does it have anything to do with my credit card limit?

After JD.COM IOUs are activated successfully, the system will provide IOUs quota after comprehensive evaluation based on the information you fill in, which has nothing to do with credit card and small white card quota. Before your activation is successful, you can't inquire about the amount of IOU activation, and you can't intervene artificially. It is suggested to try to activate the white bar first, subject to the display limit of the activation page.

By keeping good habits of consumption and repayment, JD.COM Baitou Club will make irregular withdrawals according to the comprehensive evaluation of consumption behavior, consumption habits, repayment ability and repayment status. In addition to system cash withdrawal, JD.COM IOUs can also withdraw cash by receiving cash withdrawal packages and participating in IOUs cash withdrawal activities.

There are two claim packages for JD.COM IOUs, and the paths are as follows:

1. Fixed cash withdrawal package: it is collected through the homepage of Jingdong Financial App-White Strip-White Strip Available Quota-Quota Management-Weekly Cash Withdrawal Package;

2. Temporary withdrawal package (valid for 3 months):

1. jingdong financial App: through jingdong financial APP home page-white note-small white credit-wealth-gift package.

② Computer terminal: Jingdong Financial House-Member Center-Xiaobai Credit-Gift Package Collection under Xiaobai Credit Life.