Beijingdong white bar is not good to use, because it exists a lot of sets, will let you unknowingly overspend over the amount. Similar to chanting and credit cards, they all lead you to overspend. The state regulation of Jingdong Baijiao is also insufficient and there are many risks. Therefore, we should use Jingdong Baijiao with caution and learn to protect ourselves. "Jingdong Baijiao is the first Internet credit consumption product in the industry, and with the consumer experience of "consume first, pay later, real-time approval, installment at will", it has been welcomed by users and has established itself as a leading brand in the consumer finance industry. "Jingdong Baijiao provides users with high credit ratings and consumption needs with first-consumption-and-payment services through credit assessment based on big data. Its use of the scene is also expanding, the user in the Jingdong Mall and the Jingdong system of O2O (Jingdong to home), global purchase, Jingdong offline stores and other scenes, as well as millet, Huawei, Apple and other external online and offline cooperative merchants, can enjoy the white bar of the first consumption after payment and installment shopping services, installment up to 24 periods, and has a flexible bill repayment and installment services.