The so-called face-to-face signing is actually to go to the bank outlet to verify the information, copy the ID card, and copy "I have read the signing".

According to the requirements of the regulatory authorities, the credit card application must be submitted by the cardholder himself and signed by him. When an applicant applies for a credit card online, the issuing bank receives the customer's application materials through online channels, and it is impossible to judge whether the person submitting the application materials is the applicant himself.

Therefore, after the applicant has applied through the Internet and passed the examination, the issuing bank will send a short message to the applicant to inform him that he has passed the preliminary examination, and he needs to go to any outlet of the issuing bank for face-to-face interview with his ID card within the specified time.

So is it necessary to apply for a credit card online?

This uncertainty generally depends on how the bank stipulates. For example, when applying for a credit card for the first time, all banks except ICBC stipulate that all non-outlet cards must be signed by themselves.

Some will send a face-to-face SMS to the applicant after the pre-trial, and will give you a card after the face-to-face signing is passed. However, some banks approve cards after the first trial, but they have to sign at the counter before they can activate their credit cards.

However, if you already hold the credit card of the issuing bank and apply for another credit card online, you will generally approve the card directly after approval, and you don't need to go to the counter to sign it.

Next, let's introduce the process of online credit card interview.

To apply for a credit card interview online, you generally need to bring yourself and your ID card, or the credit card you have already received. Some banks will also ask you to bring a card-issuing letter. Generally speaking, the required information will be prompted in the short message.

The interview process is very simple. Basically, all you have to do is go to the outlet to verify your identity and sign it.

However, it should be noted that it is not certain that 100% of credit cards will be approved after applying for face-to-face interviews online. For example, even if Everbright Bank completes the face-to-face visa, it may not be able to pass the non-local account. People's livelihood may also be blocked after signing a contract in different places.