"Peony Card" is the general name of all kinds of bank cards issued by ICBC, which is similar to the name of "Lenovo Computer". Peony cards are subdivided into debit cards and credit cards. A debit card refers to a bank card that is deposited first and then used. Suitable for ordinary depositors and consumers, without credit requirements. Smart card is the most basic one, and there are international debit cards (you can spend or withdraw money abroad).

Credit card refers to the bank card that is used first and then returned, which is also commonly known as "credit card". Its biggest feature is that it can be overdrawn, which is suitable for people with stable jobs and income sources and good credit evaluation. Frequent use of credit cards can accumulate your credit history, which will be of great help to you in handling various credit businesses in the future. It can be divided into ordinary RMB credit cards and international cards, and international cards can be divided into visa cards, MasterCard cards and American Express cards according to different cooperative institutions.

If you have other specific questions, I suggest you call the customer service staff of the issuing bank, hoping to help you.