Why are there two ICBC credit cards? What's their difference?

The reason why ICBC gave you two cards may be because you applied for a set of cards, one is UnionPay credit card and the other is MasterCard or VISA card.

Their differences are mainly:

1. UnionPay credit cards are mainly used in China, while MasterCard or VISA cards are mainly used abroad;

2. Their credit lines are shared. No matter which credit card is used, it will take up the total amount, which is subject to the maximum credit card in your hand.

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