Can a credit card be used as a savings card? Because I am using ICBC's debit card now, and I have monthly SMS service fee and annual fee 10 yuan, then I can apply.

Credit cards can generally deposit money in them, but some banks will charge a certain handling fee when they take them out, which depends on the charging standards of credit card overflow deposits in various banks. Also, you want to withdraw cash by credit card only because you intend to avoid the service fee and SMS fee, but you should know that not all bank SMS messages are free, and the card is free of annual fee. If you want to consult, I suggest you call the customer service number of the credit card you want to do directly, or inquire through their website. Generally, there will be a published charging standard for such charges.