Lohwa card is different from credit card. Lehua Card is a consumer credit product jointly launched by Lehua and cooperative banks in stages. After customers open the Lehua card, they will get a bank electronic account. The card number of the bank electronic account can be added to payment platforms such as WeChat and Alipay, and then customers can use the Lehua card on these platforms for consumption scenes. Credit card is a credit transaction tool issued by banks or credit card companies. The holder can spend within a certain credit limit and repay within the prescribed repayment period.