1. Understand the reasons for the insufficient quota: First, ensure that there are no other unsettled funds leading to the insufficient quota. If it's not a repayment problem, it may be because your credit status is not good. It is recommended to pay attention to personal online loan big data.

2. Inquire about personal online loan big data report: In order to keep a good credit record, you can click "103 data" to get your own online loan big data report. By understanding your performance in the online loan industry, you can evaluate your credit status and find ways to increase the quota.

3. Improve the credit rating: improving the credit status in a targeted manner will help to increase the credit limit. To improve the credit rating, you can pay attention to the following points:

-Pay off all credit cards and loans on time.

-Avoid excessive application for new credit products.

-Increase the number of credit records, for example, by paying rent, utilities, etc. And leave a record in the credit record.

-Use credit cards rationally, repay in time, and keep a low proportion of recycling.

4. Voluntary withdrawal application: If personal credit status has improved, you can apply to JD.COM for adding IOUs. You can apply through JD.COM APP and customer service hotline, and provide relevant materials as required.

5. Seek other loan schemes: If the above methods still cannot meet the capital demand, consider other loan schemes, such as bank loans and other consumer credit products.

To sum up, we can solve the problem of insufficient IOUs in JD.COM by paying attention to personal online loan big data, improving credit rating, actively applying for quota increase, and seeking other lending schemes. I hope the above information is helpful to you.