General credit card application process: users fill in application materials → approval → card making → card issuance → activation.
Don't do it without approval.
Extended data:
Application conditions and procedures
Individuals with full capacity for civil conduct and good credit standing can apply to the card issuer for a personal master card with their valid identity documents and related materials, or apply for a supplementary card for a natural person with full capacity for civil conduct or a natural person with limited capacity for civil conduct who meets the conditions for issuing cards; The cardholder of the primary card may apply for adjustment, suspension or cancellation of the use of the secondary card (except for electronic cash transactions); The cardholder of the main card shall bear all the debts under the main and auxiliary cards (including mobile equipment cards, the same below), and the cardholder of the auxiliary card with full capacity for civil conduct shall be jointly and severally liable for the debts under the auxiliary card.
Individuals and units applying for Peony Credit Card shall fill in the application form correctly, completely and truly according to the requirements of the card issuer, submit relevant application materials required by the card issuer, and sign a contract with the card issuer.
References:
China Industrial and Commercial Bank official website Peony Credit Card Charter