(1) First application: For customers who apply for a credit card on the Internet for the first time, most banks in China must go to the bank counter to re-authenticate their credit and submit and review the relevant application materials, and then make the first transfer at the bank outlets before they can activate the credit card and use it;

(2) Secondary application: For customers who apply for a credit card for the second time, because the bank has already checked the applicant's credit reliability when applying for the card for the first time, it is not necessary to go to the counter to activate the credit card when applying for it again, and the credit card can be activated through customer service phone, online banking, WeChat WeChat official account and other channels.