In order to apply for a credit card, students at school need an adult with a formal job and a stable income as a guarantee. The guarantee can be obtained from the credit card processing department. ICBC peony cards are divided into quasi-credit cards and credit cards. Quasi-credit cards are used to overdraw cash, with daily interest. If you are given a credit line of 5,000 yuan, you can overdraw 2,500 yuan (50%) in cash. If you use a credit card, you can spend 5000 yuan, but whether this card is used or not, the credit card is used for consumption. It is not recommended that you deposit money in the card, because the deposit has no interest and can be repaid after consumption. The longest interest-free repayment period is 56 days. If you have difficulty in repayment, you can also apply for installment payment, and the credit line given to you can be used in full (referring to consumption). This card can also be overdrawn in cash, with a maximum overdraft of 2000 yuan per day, and then overdrawn the next day until it reaches 50% of your credit limit. On the application form of ICBC, only one line is marked quasi-credit card, and the rest are credit cards, but the currency and card face pattern are different, and other aspects are the same.