if you ask someone to apply for a credit card for you, he will charge you 15 points, that is, 5*.15=75, and you will be charged for 75 yuan. There is no charge for handling credit cards. You can go to official website to handle them yourself. You don't have to submit your work certificate and medical insurance when you go to official website. Although you don't have to pay these, you still have to have a job. A computer can do it,