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Mine is the household flash payment card of China CITIC Bank, which was issued during the mortgage. Can I use it as a credit card?
Can be used as a credit card.

"Express Pass" represents the contactless payment products and applications of UnionPay, which has the characteristics of small amount and fast payment. Users buy goods or services, confirm the corresponding amount, and use financial IC cards or UnionPay mobile payment products with the function of "flash payment" to quickly complete the payment with one button on the contactless payment terminal that supports UnionPay "flash payment". Generally speaking, the single amount does not exceed 1000 yuan, and no password and signature are required. The non-contact "flash payment" terminal mainly covers daily small fast payment merchants, including supermarkets, convenience stores, department stores, pharmacies, fast food chains and other retail places and public service fields such as vegetable markets, parking lots, gas stations and tourist attractions.