Hello, to be clear, the ICBC Shu Tongtong Card is a debit card, which is what you call a storage card. It cannot be overdrafted. Deposits have interest. In addition, there are some value-added functions, such as self-service payment. Traffic tickets. You can’t get the credit card you applied for by filling out the form at the counter. It has to be submitted to the local credit card department for approval. During the process, they may call you for a credit check, which means they will call you to ask you some information. Just answer it truthfully. , after the approval is passed, you will enter the card production process. Because the credit card has the pinyin format of your name, it must be customized. It will take about 7-14 days to be mailed to the address you filled in or your half card branch, SMS You will be notified to pick up the card. Then you can fill in the form and go through the activation procedures and you can use it normally. Credit cards allow overdraft for consumption, but there is no interest on deposits.