No.

The credit card stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on lt; the People's Republic of China and the Criminal Law of the People's Republic of China; and the relevant provisions on credit cards") refers to a credit card issued by a commercial bank or other financial institution. An electronic payment card issued by an institution with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.

The name of the card issuer, validity period, number, cardholder name, etc. are printed on the front of the credit card, and there is a chip, magnetic stripe, and signature strip on the back. Cardholders can use their credit cards to shop and spend money with special entities and deposit and withdraw cash from banks.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the bill date.

The meal cards, water cards, public phone cards, etc. used by students do not fall within the definition of credit cards, so they are not considered credit cards.

Extended information

Credit card application

In most cases, those with full capacity for civil conduct (citizens over 18 years old in mainland China), Citizens with certain direct financial resources can apply for a credit card from the card issuing bank.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.

The application form is accompanied by a credit card use contract. The applicant authorizes the card issuer or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card issuer's privacy protection policy, etc., and must have an application. A person's autograph.

Baidu Encyclopedia-Credit Card