Need a face-to-face interview. JD.COM co-branded credit card needs a face-to-face interview after successful online application. If it is not a branch of the bank where the application is located, you need to go to the offline branch of the issuing bank for face-to-face interview when the JD.COM of JD.COM Credit Card shows that it has passed but the bank has not. Face-to-face signing is a Chinese vocabulary, which refers to the procedure that the borrower holds a legal and valid certificate and waits until the loan bank pays the loan fee before interviewing and signing.