On the mobile phone desktop, click the "China CITIC Bank" APP icon. In the "China CITIC Bank" APP interface, click the "My" icon below. In the My interface, click the My Account icon button above. In the "My Account" interface, click the "Credit Card" menu item above. Click the "Credit Card" menu item above, and then click the "Open Electronic Credit Card Now" option below. On the "Electronic Credit Card" page, click the "Activate Now" button below to open the CITIC Virtual Card.