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According to the query on Xicai.com, there are three main ways to process bank credit cards: bank counter processing, online application processing, and telephone voice processing. Now most banks have opened online application portals for credit cards. Users can log in to the bank's official website or mobile banking APP and other online channels to apply for a credit card, fill in their relevant information to submit the application, and then wait for the bank's approval. Once approved, the application will be approved. Send the credit card to the user by mail.