The first question: Not all credit cards issued by Guangfa Bank are debit cards. Second question: ICBC’s Peony Money Link Card is a debit card that can save money and open online banking. It is recommended that you apply for ICBC’s Money Link Card, as ICBC’s online banking function is also relatively powerful. Bring your ID card and go directly to an ICBC branch, ask the counter staff to handle it, and activate online banking at the same time. There is no charge for online banking, but there is a 10 yuan annual fee for Money Link Card.