Credit card. According to the inquiry of Hengshui Bank Co., Ltd., the Jinhe Card is a credit card specially launched by Hengshui Bank for high-end consumers. It has a higher consumption limit and more preferential policies, so the Hengshui Bank Jinhe Card is a credit card. Hengshui Bank Co., Ltd., established in 2002 and located in Hengshui City, Hebei Province, is an enterprise mainly engaged in monetary and financial services.