1, used in different ways: JD.COM Gold Bar is a loan product that can provide cash for everyone to withdraw cash. JD.COM IOUs are similar to credit cards, which support people to make overdraft consumption on platforms such as JD.COM Mall. The use of gold bars in JD.COM is more flexible and independent, and the loan of gold bars in JD.COM cannot be used for investment or house purchase.

2. Different loan fees: Another big difference between JD.COM gold bars and white bars is the different loan fees. JD.COM Gold Bar shall calculate the loan interest on a daily basis, with the daily interest rate starting from 0.025%. The loan cost of JD.COM Baitiao is more complicated, which is related to the goods they consume. Some commodities require the borrower to pay the handling fee, while others support interest-free IOUs.

3. The application threshold is different: the application threshold of JD.COM gold bars is much higher than that of white bars. It is not difficult for a friend with a good shopping record in JD.COM to open a JD.COM white note. JD.COM gold bars have higher requirements for borrowers' credit information, income, consumption and liabilities.