Not the same. Hot Purchase Card is a prepaid shopping card launched by China Mobile. Users can use it to purchase goods and services from China Mobile's partner merchants. Credit cards, also called credit cards, are issued by commercial banks or credit card companies to consumers with qualified credit. The two are different from the credit certificate. A credit card is a card with the name of the issuing bank, expiration date, number, cardholder name, etc. printed on the front, and a magnetic stripe and signature strip on the back.