It's true. There is no charge for applying for a credit card. You can apply at the tips of some websites, but it is not certain whether you can apply successfully in the end. After the materials are submitted to the bank, the bank will review them. If they meet the requirements for applying for a credit card, they will issue you a card to mail to you on time, and then take the credit card and ID card to the local bank for activation.

so it doesn't matter where you apply, what matters is the bank's approval. When you apply, you should fill in the details, including income, work unit, whether there is provident fund and so on. The bank will find out the authenticity of your information and then decide whether to issue you a credit card according to your ability to repay.