When users apply for China Merchants Credit Card, a staff member comes to the door to handle it, because China Merchants Bank stipulates that they must personally see the applicant, personally check the original ID card of the applicant and personally see the applicant's signature. Therefore, after applying for a credit card through online channels, China Merchants Bank will arrange staff to come to the door to apply for a card. The staff's door-to-door card handling will not affect the final card handling result, and the user only needs to actively cooperate with the staff to complete the audit. In addition, the staff can avoid the situation of stealing ID cards to handle credit cards, which makes the card handling safer.