No. According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders. Credit card banks will check the personal information, financial certificates, work qualifications and personal credit information submitted by users. The most important thing for banks is personal credit information, which mainly depends on whether users have overdue records and liabilities.