No. Jiebei is a loan service launched by Alipay. Depending on the Zhima score, users can apply for different loan amounts. The maximum repayment period is 12 months. The daily interest rate of the loan is 0.045%. You can borrow and repay at any time. If it is overdue, You cannot borrow Paipaidai. A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.