You don't have to go. You can help others to apply for bank cards and ask for depositors' ID cards, but agents must also bring their ID cards. Bank outlets should contact the client, and after verification, customers can only open an account for them if they want to entrust an agent. All financial institutions require customers to use the real-name account registration system.

First, the user account opening process:

1, bank cards must bring ID cards and cash;

2. Number and wait to fill in the form;

When the counter calls your number, give the completed form and ID card to the bank teller. When you apply for a credit card, you need to sign your name and enter your password. The password is six digits. After setting it up, you should remember it by yourself. This is the future withdrawal password;

4. You will get a bank card after all the processing is completed;

5. If you apply for online banking at the same time, you will get a secret card or U shield at the same time;

6. It has been finished.

Second, debit cards.

Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. Special card is a special-purpose debit card used in a specific area (except for department stores, restaurants and entertainment industries). It has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.

Debit card can be used for online or POS consumption or ATM transfer and withdrawal, and cannot be overdrawn. Interest is paid on the amount in the card according to the current deposit. When spending or withdrawing money, the funds are directly withdrawn from the savings account. Debit cards usually require a password when used. Debit cards can be divided into ordinary cards, gold cards and platinum cards according to their grades; According to the scope of use, it can be divided into domestic cards and international cards.

Third, credit cards.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay. Quasi-credit card refers to a credit card in which the cardholder deposits a certain amount of reserve fund according to the requirements of the bank, and when the reserve fund is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.