Peony Link Card is a bank card issued by ICBC, which belongs to the category of debit card (savings card). The main difference between debit card and credit card is that debit card deposits first and then consumes, while credit card is a financial instrument that can consume first and then repay.

Peony smart card has the functions of general savings card, such as deposit and withdrawal, transfer and so on. At the same time, you can also bind various third-party payment platforms (such as Alipay and WeChat payment) to achieve a more convenient payment experience.

If you need to apply for a credit card, you can consider ICBC's Peony Credit Card, which is a standard credit card product and can provide cardholders with credit services such as overdraft and installment payment. When handling credit cards, it is necessary to make a comprehensive evaluation according to personal credit status and repayment ability to determine whether to issue credit cards and the specific credit limit.

In short, Peony Link Card is a savings card product of ICBC. If you need to apply for a credit card, you can choose ICBC Peony Credit Card.