1. Issuer: Credit cards are electronic payment cards issued by banks or financial institutions. Alipay is not a financial institution and has no right to issue credit cards. Alipay is not a credit card.

2. Expense structure: The expense structure of credit card includes annual fee, interest and late payment fee. The fee structure of Alipay Home Care Card includes transaction fee, cash withdrawal fee and account management fee. The charging structure is different, and Alipay's worry-free card is not a credit card.