The steps for borrowing and withdrawing money from JD Baitiao are as follows:

1. Log in to your JD Financial APP account and click the "Baidiao" option on the homepage.

2. After entering the Baitiao homepage, click on the "Baidiao Cash Withdrawal" function.

3. On the application page, users need to enter the amount they want to withdraw, and remember to select it if there is an interest coupon. Confirm the repayment plan, and the user can choose how long to borrow. You can choose no installment, 3 months, 6 months, or 12 months. Confirm the payment account. The payment account is a bank card bound to JD Finance. Select the bank card to be paid, and the bank card name and the last 4 digits of the card number will be displayed. Finally, check the agreement and click "Apply Now".

4. The system will review the application, and after passing the review, the cash withdrawal limit will be issued to the bank card account selected by the user.