If there is no local bank outlet, you can't apply directly online. You can only change credit cards from other banks. If there is no such bank in your place, I suggest you consider applying for another bank card, because if there is no such bank in your place, it is easy to be rejected at first. Although most banks do not explicitly state that applicants in some areas cannot apply for credit cards when applying for them, banks will directly reject applications without bank outlets in this area when approving credit cards.

If you cannot apply online, your credit will be damaged. If you don't have a credit card, don't apply. It is basically impossible to get a card, and there will be a rejected credit record. You can only apply for a credit card online. Secondly, it is very inconvenient for you to return your business in the future.

If there is no local bank outlet, you can't apply. In your case, I suggest you apply for a credit card from another bank. But it must be where you are.