How to apply for a credit card? First of all, the target bank you can apply for must have branches there. Generally, the four major state-owned banks of China, Agriculture, Industry, and Construction have them. In addition, Postal Bank seems to have launched a credit card business last year. Therefore, in theory, you can To apply for these cards, there are no banks with branches, although you can also apply online. You can apply by mailing application materials or other methods. Those banks will also accept your application, but the result is usually a 100% rejection of issuing a card to you. Because the bank considers that it does not have an outlet, firstly it is inconvenient for you to repay, and secondly, if you repay overdue or do not repay, the bank has no outlets in your local area and does not have manpower, so it will be very troublesome and costly to recover. The risk is very high, so in principle, all banks do not approve cities without branches. Unless your credit is very good. Ping An Bank supports mailed applications from all over the country. You call Ping An Bank and they will mail you an application form. After you fill it out, you add the supporting documents they require and mail it to the bank for review. Although you have completed this process, your application materials are usually rejected in the preliminary review stage. After figuring out which banks can accept your application, the next step is to consider how to apply. The term is called entry route. In some big cities, there are many ways to apply for a credit card. The effects of each method are very different. That means you go to the bank branch counter in person to apply, and submit the required materials to the branch staff. This method is the most primitive and the most troublesome, because the outlets are not departments dedicated to marketing credit cards, so they are not very enthusiastic about credit cards. Often a lot of supporting materials and procedures are required. The most troublesome thing is that the approval time is very long, usually taking up to a month. 2: Credit card marketers Credit cards are actually independently accounted business departments in every bank. It is usually called the credit card center of a certain bank, and covers all the credit card business of the bank, such as product design, promotion, marketing, and review. Daily management, advertising, promotions, debt collection, etc. are all the responsibility of credit cards. The credit card center has staff dedicated to promoting card applications. As long as you find them and submit the information, the success rate and speed will be greatly improved. (In fact, even if you apply at an outlet, the application you submit is actually forwarded by the outlet to the credit card center for review and approval, and the outlet will not transfer your application specifically for you, but will wait until a certain amount is accumulated and then batch it. It is transferred to the credit card center, so the speed is very slow. The credit card approval authority lies with the credit card center.) Three: There are two types of online applications. One is to fill in the information directly online and wait for review. If the approval is successful, the bank will mail the card to you. Then take the relevant documents to the branch or return the mail to open the card. For example, China Guangdong Development Bank, China Everbright Bank Music Card, etc. The other is to fill in the information online, download and print it, and then mail it along with the required information to the designated location to wait for approval. Many banks support this. Including some state-owned banks.