No, credit card is not electronic money, but the identity of the owner of electronic money. Electronic money is not a form of credit money, so electronic money is not credit money, they are subordinate. Electronic money refers to the money based on financial electronic network, with commercial electronic tools and various transaction cards as the media, with electronic computer technology and communication technology as the means, stored in the computer system of the bank in the form of electronic data (binary data), and realized the circulation and payment functions in the form of electronic information transmission through the computer network system.