If you apply for a credit card online, the bank needs you to bring your ID card to the local bank counter to confirm your receipt.
3. Different banks offer different ways to apply online. In cities with China Merchants Bank outlets, banks such as China Merchants Bank, China Construction Bank and Xingye need to apply online first: after the new home applicant fills in the information online, the card department staff of the local outlets will come to check whether the original ID card and other information are true. After this process, it will enter the approval process. If the card is approved, it will be mailed directly to the address left at the time of application (choose home or work). After receiving the card, you can open the card by phone without going to the outlet.
Online application → door-to-door confirmation → card approval → mailing card → phone card opening.
Guangfa's online application is directly reviewed after it is completely filled online. If the card is approved, the card will be mailed to you first (whether to mail it to your home or work address). However, after getting the card, you must bring your ID card to Guangfa's outlets to open the card, and you can use it within 3-7 working days after submitting the card opening application form. Therefore, it is still required that cities with Guangfa outlets can accept applications.
Online application → approval card → mail card → card opening at outlets.