1, ICBC Peony Credit Card has no handling fee for cash withdrawal in the same city, but there is already handling fee for cash withdrawal in different places; 2. Foreign cards cannot be converted into local cards; 3. The solution is not to "cancel the account and open another one locally", so you can't use the card until you receive a new one. Therefore, it is necessary to apply for a new card locally first, and then cancel the old foreign card after receiving the new card.