No. Credit card loans and Xiaoying card loans are not the same platform. Credit card loan is a platform that provides credit card services, mainly providing credit card repayment, installment payment, credit loan and other services. Xiaoying Kadai is a platform that provides credit card balance reimbursement services. It mainly targets people with credit cards and provides them with credit loan services such as credit card consumption installments and cash withdrawal installments. Although both Credit Card Dai and Xiaoying Cardai provide credit card-related services, their service scope and objects are different. Credit Card Dai mainly provides services such as credit card repayment and credit loans, while Xiaoying Kadai mainly provides credit card balance reimbursement services.