Users go to the counter to activate their credit cards. The main concern of the bank is to confirm whether the credit cards are applied by the users themselves and check the required application materials. During the activation process, the staff will only ask some relevant questions to ensure identity matching. There will be no credit inquiry, and this link is mainly for completing the activation procedure rather than evaluating the loan risk. When the credit card is activated at the counter, it does not involve the inquiry of personal credit records.