It won’t have any impact if you don’t use JD.com’s sub-card.

There will be no impact if you use the JD.com sub-card or not. Users can activate the JD Baitiao sub-card without using it. There is no mandatory requirement in the system to use it after activating it. Moreover, activating it or not using it will not affect your credit report. However, you must repay on time after using it, otherwise your credit will be affected if it is overdue. Jingdong Baitiao Point Card is actually a Baitiao service on WeChat. After receiving the Baitiao Point Card, an electronic bank card of Bank of Shanghai will be generated. Users can enter the bank card number on the WeChat Add Bank Card page to complete the card binding; Baitiao Point Card The limit is the Baitiao quota, which can be paid directly through WeChat, or transfer money or send red envelopes on WeChat within a certain limit; JD.com Baitiao can also be used on WeChat, and users only need to activate the Baitiao sub-card and bind it to WeChat. Just select the payment method Baitiao Fenfen Card when paying via WeChat.