Different banks have different regulations. \r\nFor example, China Guangfa Bank applies for a credit card through online application channels. After receiving the card, you must go to the bank branch with the card to go through the activation procedures. It is not activated on the spot. You need to wait a few days. There is a secondary review. process. \r\nFor example, CITIC Bank applies for a credit card online (not through digital certificate authentication). After passing the preliminary review of the information, you will be required to go to the branch for an on-site interview, and then continue the approval process. If approved, you can activate it directly by phone, text message, Internet, etc. after receiving the card. \r\nIt's still CITIC Bank. If you have online banking (certificate version) through this bank, you can apply for a credit card online and use the digital certificate for authentication on the application page. You don't need to go to an outlet. \r\nThere are also some banks that apply online and after submitting the information as required, they may send a salesperson to your door to accept the application. On the one hand, the salesperson will verify part of the applicant's situation, and on the other hand, the applicant's written commitment and signature will be witnessed in person. \r\n\r\nNow, because the central bank has some regulations on credit card applications, the applicant is required to make a written statement of awareness of some of the responsibilities and rights of the credit card application. Under normal circumstances, banks will require applicants to provide it in various ways, and the most common method is to ask applicants to go to branches. It's just that the time points for going to the outlets are different. \r\n\r\nThe above is for reference only. The details are subject to the regulations of each bank corresponding to the credit card you intend to apply for.