You can't be sure just by looking at the top four
1. If the first four digits are 6222 and the card number is 16, then it is a credit card (credit card) with an annual fee. The annual fee varies from card to card. However, if you spend 5 times with a credit card during the year, you will be exempted from the annual fee. You can save money, but there is no interest on the deposit.
2. If the first four digits are 6222 and the card number is 19, it is the debit card of ICBC, and there is an annual fee of 10 yuan, which will be charged whether you use the card or not. You can deposit, and the deposit has interest.