JD.com Pioneers Expansion of State Subsidy to Credit Card Installments

On October 15, at the 2026 JD.com 11.11 launch event, financial services highlighted key initiatives as part of the 'Good Services on JD for 11.11.' JD.com has become the first e-commerce platform to extend state subsidies to credit card installment scenarios; starting today, users can enjoy subsidized rates on credit card installments. Following JD Bai (JD's white-label credit product) in pioneering state subsidies, JD.com joins as one of the first platforms to implement this new policy. Previously, the national consumer loan subsidy policy officially included credit card installment consumption within its scope. Guangfa Bank has become the first partner bank to launch 'state subsidies' on the JD platform.