In order to facilitate the application for credit cards, all major banks have introduced online processing and mobile phone processing, which means that you can handle it by mobile phone without face-to-face signing. After the credit comes down, be sure to open the card by phone or go to the business hall. Credit cards can only be used after they are successfully opened. If you don't open the card, it's invalid. It's always fine. If the card is opened, the annual credit card fee will be incurred if it is not used or kept.