Chinese online retailer JD.com will roll out consumer credit line tomorrow (Feb.13th), just in time for Feb 14th, the Valentine’s Day and Chinese Lantern Festival 2014.

JD users will be granted up to 15,000 yuan (roughly USD2500) credit. Consumers can choose to pay in full within 30 days or make monthly installments in 3-12 months.

Credit rating is based on users’ profile and purchase history. After ten years of operation, JD has had a large amount of data about users. As of September 2013, there had had 35.8 million active customer accounts and approximately 247 million product reviews on JD platform, as disclosed when the company filed with the US Securities and Exchange Commission recently.

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Tracey Xiang

Tracey Xiang is Beijing, China-based tech writer. Reach her at traceyxiang@gmail.com