1. Card design: ICBC's credit cards have various grades and organizational forms, including ordinary cards, gold cards and platinum cards, and each grade has two card organizations, namely UnionPay and MasterCard. This "1+ 1" card handling method enables the applicant to obtain two credit cards at the same time, one for domestic use and the other for overseas use.

2. Shared credit line: Two credit cards share a credit line, and generally the shared credit line is the card with the highest credit line. This design is convenient for users to use flexibly in different occasions, while maintaining the consistency of credit line.

3. Independent use: Although two credit cards share the quota, they can be used independently. Users can choose which credit card to use for spending according to their own needs and preferences, and enjoy their respective functions and services.