Yes, after you apply for a credit card, the bank will send the card to you. You can activate it yourself after receiving it. I just applied for a China Construction Bank credit card some time ago. When the card was sent to me, there was a card letter inside. The card letter directly told me the process of opening the card. I just called their customer service based on the above process. You can directly activate the phone through voice and then set the password and you can use it. There is no need to go to manual, you can do it yourself. Also, if it is inconvenient to make a phone call, you can go directly to one of their branches. Now, in their business hall, you can directly open a card and set up password with your ID card and card (no need to go to the high counter, just go directly to the financial management counter), I I find it quite convenient.