The first one is a co-branded credit card of ICBC and Chimelong, a VISA gold card, and the second one is also a co-branded card of Chimelong, a UnionPay gold card. The ICBC Chimelong co-branded card is issued in a "1 1" format, that is, a UnionPay branded RMB card and a VISA branded multi-currency card.

UnionPay brand RMB cards are mainly used for domestic payments;

VISA brand multi-currency cards are mainly used for overseas payments, and the currencies are US dollars, euros, Hong Kong dollars, British pounds, Japanese yen, Singapore There are 10 foreign currencies including US dollars, Canadian dollars, Australian dollars, Swiss francs and New Zealand dollars. The card is free of foreign exchange fees when used in all countries or regions. This card does not have the UnionPay logo. It is estimated that it cannot be used in many places in China. You may need to use VISA's special merchants to use it.

For Chimelong co-branded gold and regular cards, if you spend 5 times or 5,000 yuan (including the equivalent in foreign currencies) within the card year, you can reduce the annual fee of the account for that year.

The third one is the Citizen Credit Card. If used in Shenzhen, it has functions and discounts in many aspects of food, clothing, housing and transportation. It is a single currency credit card.

As for how to use them, these can be used as ordinary credit cards