Xiaoling branch. Harbin can go to Xiaoling Sub-branch, Gaoleng Sub-branch and Wuchang Niujia Development Zone Sub-branch to apply for the credit card of Agricultural Bank of China. These are the formal ways to apply for the credit card. Harbin, referred to as "Ha", is also called "Ice City". In ancient times, it was called Shangjing, Huining House, Alekin and Binjiang. It is the capital of Heilongjiang Province, a sub-provincial city and the core city of Harbin metropolitan area.