In some cases, you have to go to the bank to open a credit card. For example, if you apply for a credit card online, the phone can't be opened, and you must bring your credit card and valid identity documents to the bank outlets. If you apply for a credit card at the outlet, you don't have to go to the bank to open it. It can be opened through bank websites, mobile banking clients, bank customer service and other channels.

Further reading

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. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

To apply for a credit card, you need to meet the corresponding conditions before applying.

1, age18;

Banks have similar age requirements for applicants, 18-60 years old, with full capacity for civil conduct.

2. Original valid ID card;

When applying for a credit card, you need to fill in your own information accurately, including identity information, education information, income information, etc. When activating the counter, you need to bring the original credit card and ID card.

3. A work certificate issued by a stable work income unit;

The bank requires the applicant to have a fixed work unit and a stable source of income to ensure that the applicant has complete repayment ability. Some banks require applicants to issue work certificates issued by their units when handling cards, including but not limited to work permit, work card, OA system, social security certificate, paper work certificate (with company seal) and so on.

4. Good credit record;

Personal credit records need to meet the requirements of the card center. Doing a credit card requires a good credit record, and the credit record is networked. If you have a bad credit record in one bank or lending institution, you can also see it in another bank. Therefore, if your credit is defective, it is difficult to apply for a credit card. At the same time, bad credit records also have an impact on personal life and work.

When applying for a credit card, fill in the personal information accurately and truly to avoid the failure of the card center and affect the handling of the credit card.