After filling in the credit card information at agoda Hotel, ICBC's Visa could not prompt "We can't authorize your credit card in advance".

I think you should ask why ICBC can't pre-authorize this card. Because many hotels need to use credit cards to guarantee or pre-authorize when checking in or booking. If you can't pre-authorize, the hotel will not check in for you, nor will it reserve a room for you. They don't accept cash guarantees. You can cancel the pre-authorization and pay cash when you check out.