The reason why Yanji can't handle the credit card of Guangfa Bank is that Yanji has no Guangfa Bank outlets. Guangfa Bank provides channels for offline application and online application of credit cards. Offline application requires the applicant to apply to the business outlet with relevant documents.

The prerequisite for online application is that the applicant has a business outlet of Guangfa Bank where his permanent residence is located and meets other conditions stipulated by Guangfa Bank. Therefore, if there is no Guangfa Bank in his place, he can't apply for a Guangfa credit card.