Hello, there are several possibilities for the sudden sharp drop in the amount of IOUs in JD.COM. First of all, you can query in "Beijian Quick Check" to know your credit data. In the query results, you can see important data information such as personal credit status, network black index score, blacklist status, online loan application record, application platform type, overdue, overdue amount, credit card and online loan credit estimated amount.

According to your description, the possible reasons are as follows:

1. Credit information record is affected: your personal credit information record may have changed, such as bad credit behaviors such as overdue and arrears, which may lead to the decrease of JD.COM IOUs.

2. Loan risk assessment: JD.COM Baitiao adopts a risk assessment model to determine the credit limit of each user. If your credit risk assessment results get worse, it may lead to a decline in credit limit.

Adjustment of 3.JD.COM White Bond Policy: JD.COM may adjust its white bond credit policy according to market and risk conditions, which may lead to changes in your credit line.

In order to determine the specific reason, it is recommended that you solve the problem in the following ways:

1. Contact JD.COM Customer Service: Ask JD.COM Customer Service about the reasons for your quota reduction and find out how to increase the quota.

2. Inquire about personal credit report: use platforms such as Beijian Quick Check to inquire about personal credit report to see if there are any bad credit records or overdue conditions.

3. Rational use of JD.COM IOUs: Rational use of credit lines, timely repayment, and establishment of a good credit record.