No.

The Bank of Nanjing ncard credit card is a digital credit card. It does not have a physical card. It currently supports online processing. It can be processed through the Bank of Nanjing NCard WeChat public account mini program, Bank of Nanjing Xinweiting mini program, or Bank of Nanjing Apply through mobile banking, Bank of Nanjing official WeChat account and other channels.

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. Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; a quasi-credit card refers to a credit card in which the cardholder can A quasi-credit card that deposits a certain amount of reserve fund and can be overdrafted within the specified credit limit when the reserve account balance is insufficient for payment. The so-called credit card generally refers to a credit card only.