Only credit cards applied through the Internet require an interview, while those applied through other channels do not require an interview.

In-person credit card signature means that the credit card applicant brings a valid ID to a bank branch for identity verification. If you apply for a credit card online, after passing the bank review and receiving the credit card, you still need to go to the bank to complete the signature and activate the credit card in person. The main purpose of the credit card interview is to verify the applicant’s identity information. Some banks' credit cards can be used after the interview, such as Bank of Communications. Some banks also need to wait for the final audit results after face-to-face signatures, such as China Guangfa Bank and China Everbright Bank.