Our company helped employees apply for ICBC credit cards last year, but this year they all apply for debit cards. At present, many banks no longer charge handling fees for credit card withdrawals. Generally, the maximum overdraft limit for credit cards handled by a company is about 2,000 yuan. The overdraft limit that has just been opened should only be 10 yuan. (This is what our company looks like). You cannot overdraw in the early stage, and you can only use it as a debit card in the early stage. When the amount you use with your card reaches a certain amount, your overdraft limit will increase accordingly. Credit cards all charge an annual fee, but if you swipe the card more than five times a year, the annual fee will be waived. You can swipe your card at supermarkets or shopping malls where UnionPay is available. If you don't activate it, they won't charge you an annual fee. After you activate it, you can use it 5 times within a year, which does not refer to the time of the natural year (natural year: January 1st to December 31st of the year). However, one thing to remember is that you must cancel the card when you are no longer using it, otherwise it is not cost-effective to charge an annual fee every year. One disadvantage of credit cards is that there is no interest on deposits. However, it is convenient to overdraft. I wish you well.