If you often use IOUs, as long as you can repay on time, it will not affect your personal credit, nor will it affect your buying a house or a car. In addition, if you accumulate credit records through IOUs, you can get higher quotas and lower interest rates. In view of everyone's credit and consumption, everyone's quota is different.

JD.COM White, pay attention to the use of notes:

In order to provide consumers with more credit consumption services, JD.COM Baitiao has opened up O2O(JD.COM to Home), global purchase and product crowdfunding within the JD.COM system, gradually covering the fields of renting, tourism, decoration, education, wedding and so on, extending from credit purchase services to providing credit consumption loans, covering more consumption scenarios.