JD.COM IOU is a convenient financial service, which provides a new payment method for college students. As long as college students are over 18 years old, have full capacity for civil conduct, and have a stable source of economic income, they can consider opening a white note in JD.COM. For college students, the use of JD.COM white bars can ease the short-term financial pressure and facilitate shopping and daily consumption. At the same time, we can reduce the pressure of one-time payment by installment.