ICBC's salary card is a debit card and cannot be overdrawn. Payroll card deposits have interest, which may be higher than ordinary debit cards. After signing the contract, they can be used to buy wealth management products or use credit cards to shop. Credit cards are overdraft credit cards, and the deposits here are interest-free. As long as the purpose is consumption and shopping. They have different uses, so they can't be replaced. If you need a credit card, you can apply separately.