The steps for handling credit cards by Postal Savings Bank and Mobile Banking are as follows:

1. Log in to the postal mobile banking client.

2. Click "Credit Card" in the menu bar at the bottom of the page to enter the "Credit Card" page.

3. Select the credit card you want to apply for, and then click "Apply" button to apply.

4. Read the agreement and tick "Agree", and fill in personal name, ID number, mobile phone number, residential address, education, marital status, email address and other information.

5. Enter the verification code received by the mobile phone, submit the application and wait for the audit result of the bank.