unreliable. Most banks basically stipulate that you can only apply for a credit card in person, and you can't find someone else to handle the credit card. Moreover, handling the credit card is very risky and the consequences are very serious. Because you need to prepare relevant personal information when applying for a credit card, once you find someone else to handle the credit card, your personal information may be leaked, and the security is not guaranteed. It is also easy to steal the credit card. Once a bank finds out that applying for a credit card is not its own operation, it will have doubts about the applicant's credit, which will have certain influence on the next time it wants to re-apply for the bank's credit card, and banks with serious circumstances will even be blacklisted. Once the credit card agent successfully applies for a credit card by using the applicant's real name and identity, and fails to pay back the card within the time limit and cashes in a large amount, it is the applicant himself who needs to pay back eventually, which not only loses a lot of money, but also affects personal credit.