The "Happy Pig and Peony Credit Card" of the Industrial and Commercial Bank of China. The initial overdraft is 10 yuan, which can be adjusted later based on personal credit status.

The card is free to open, and the first year's annual fee is waived before August 2008. The annual fee is 50 yuan after one year. If you spend 5 times a year at the merchant's POS machine, the annual fee is waived; long-distance remittances are free.

If you compare other bank cards, you will find:

●Other bank cards have an annual fee of 10 yuan, (credit cards range from 40 to 100 yuan), and the "Happy Pig Fu Peony Credit Card" card opening Free, no annual fee for the first year. The annual fee will be 50 yuan in the future. If you spend 5 times a year at the merchant's POS machine or the single purchase amount is more than 5,000 yuan, the annual fee will be waived. It is easy to achieve 5 purchases at POS machines within a year.

●Other bank cards will charge a handling fee of RMB 1 for long-distance remittance, with a maximum limit of RMB 50. "Happy Pig Fu Peony Credit Card" remittances to other places are free of charge.

●ICBC is one of the four major state-owned commercial banks with branches all over the country. For example, China Merchants Bank is not available in every city across the country.