The contract signed by Shanghai Merchants Credit Card Center is a loan contract. According to the relevant information, a loan contract is a contract in which one party agrees to transfer ownership of a certain type and amount of currency to another party, and the other party returns the same type and amount of currency within a certain period of time. Among them, the party that provides money is called the lender, and the party that receives the money is called the borrower. A credit card, also called a credit card, is a card issued by commercial banks and credit card companies. Its main function is for overdraft consumption. The bank will first grant a credit limit to the credit card, and the user can use it first and repay later. Therefore, the contract signed by Shanghai Merchants Credit Card Center is a loan contract.