You can apply even if you don’t have a branch. This is relatively easy, because most banks now allow you to apply for a credit card directly on their official website, so you can apply for a credit card even if you don’t have a local branch. Take China CITIC Bank as an example. Let me introduce the basic process:

1. Enter the official website of China CITIC Bank. Note that it must be the official website. Be careful of phishing websites. Then select the application area. The system will list the types of credit cards that can be applied for in that area. Click Apply Now to enter the information filling page.

2. Credit card applications have strict requirements on the authenticity of information, so you must fill in true and valid application information when applying, and the bank will automatically distinguish it.

3. Don’t think that there will be no problem after completing the filling. Be sure to remember to submit the form after completing it. The system will automatically conduct a preliminary review. After the preliminary review is completed, it will be submitted to the local branch for further review.

4. All the conditions for applying for a credit card are similar, so you don’t have to worry. The online application conditions are basically the same as the actual written application conditions. You must be over 18 years old and have a stable job and repayment ability.