It is legal to use a platform to apply for a credit card, but the platform must be a formal one.

Processing method:

1. Submit the application. Users can log in to the official website of the bank where they want to apply for the card, find the "Personal Online Banking Login" entrance, and select "Register for Personal Online Banking".

2. Read and agree to the service agreement. When applying for a bank card online, you also need to follow the steps to read the service agreement. After clicking "Register for Personal Online Banking", you will enter the terms of the "Online Banking Personal Service Agreement". After reading carefully, click "Agree".

3. Fill in personal data and account information. After agreeing to the service agreement, fill in the applicant's personal information as required, including name, ID type, ID number, mobile phone number and other information. You also need to fill in bank card number, account password and other information. It should be noted that if the individual is not yet a customer of the bank, he or she can enter the mobile phone number reserved at the counter of other cards as the registered mobile phone number.