It is a Peony Yangcheng Tong co-branded credit card issued by Industrial and Commercial Bank of China. It can be used as a credit card or as a Yangcheng Tong card for consumption. Yangchengtong is an independent account. No payment is required for card consumption, but you can set up automatic transfer from the credit card to Yangchengtong, or you can recharge by yourself. The credit card part is also independent, and has the same functions as an ordinary credit card. For specific information, you can go to the local ICBC for consultation~