No

When applying for Card Yidai, you need to apply for an Yidai card. This is not a credit card, but after opening Card Yidai, you can swipe the card at the POS machine for consumption.

In the central bank's credit report, the information record of Kayidai is also reflected in the loan column instead of the credit card. It may also occupy some of the bank's other loan quotas, if there are still outstanding loan records.