Not the same. There are obvious differences between credit cards and credit cards in terms of issuers, card types and functions.

First of all, Xintong cards are issued to the public by rural cooperative banks, while credit cards are issued by commercial banks or credit card companies to consumers with qualified credit.

Secondly, Xintong card is a debit card, while a credit card is a credit card. This means that the consumption amount of the Xintong card will be directly deducted from the cardholder's savings account, while the credit card allows the cardholder to consume within the specified overdraft limit and repay it after the repayment date.

Finally, the functions of Xintong Card mainly include various savings, cash deposits and withdrawals, transfer settlement and card consumption, etc., but it does not have an overdraft function, and cardholders need to make a deposit before using it. Credit cards have more consumption functions. Cardholders can shop or consume at special commercial service departments, and the bank will settle accounts with merchants and cardholders. They can consume within the prescribed overdraft limit.

Can a credit card be used as a salary card?

Yes. A credit card is a special card issued by a commercial bank that can be used for shopping, spending and cash withdrawals. It can be used as a salary card and has the function of consumer credit. A credit card is usually a card with the card-issuing bank's information printed on it and a magnetic stripe and signature strip on the back. The credit card we often refer to mainly refers to a credit card, which allows the cardholder to consume within the specified overdraft limit and repay the payment after the repayment date. Credit card is a convenient payment tool that provides more consumption and payment options.