It is a credit card and a savings card. Industrial and commercial bank cards are mainly divided into two types, one is a savings card and the other is a credit card. Savings card is a kind of financial transaction card issued by the bank to provide financial services for depositors, which belongs to debit card. Credit card is actually a combination of credit card and quasi-credit card, and the cardholder can spend first and then repay within the credit limit. China Industrial and Commercial Bank is a large state-owned bank managed by the central government and one of the four largest banks in China.