Although I have not purchased an iPhone 4s through China Unicom Mall, I have paid online with a China Construction Bank credit card through a variety of shopping channels, including China Unicom phone bill payment. Based on my experience, there is no need to activate online banking for CCB credit cards. Because: China Construction Bank has opened the account payment function, and credit cards can be paid directly without opening online banking. You can pay directly. If not, you can go to CCB’s website to activate the account payment function. It’s very simple. Because it's been a long time, I can't remember the details clearly.