You can't. Using four mobile communication cards to apply for a credit card is not fraud. Phone messages make most of the people you apply for credit cards fake. Applying for a credit card must go through formal channels, such as bank counters and formal bank apps. Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back.