You can apply for a credit card directly. Nowadays, it is very convenient to apply for a credit card. If you feel that queuing up at the bank counter is too troublesome, customers can also apply for a credit card directly on the bank's official website, mobile banking, online banking, credit card APP, and third-party platforms such as WeChat and Alipay.

How to open a credit card?

After getting the credit card applied by the customer, if you want to activate it, you can directly find the activation option on the credit card interface on the card-issuing bank's online banking, mobile banking client, or credit card APP to open the card; you can also Choose to call the service hotline of the card-issuing bank and follow the voice prompts to apply for a card by yourself, or transfer to manual service and apply for a card to the customer service staff.

In addition, if there is an offline branch of the card-issuing bank near where you work or live, customers can also bring their personal ID card and card to the branch counter to find staff to apply for a card. Of course, everyone needs to note that if it is the first time to apply for a credit card from a bank online, you generally have to go to an offline branch to activate it, and you cannot activate it online by yourself.

As soon as the credit card is activated, it can be used immediately. If the customer has no need to use it for the time being, he or she can also choose not to open the card until he or she needs to use it later. However, this situation is only suitable for no charge if no activation is required. For cards, if the card itself has a hard annual fee, it will be charged even if it is not activated. If the customer does not open the card and repay the payment in time, it will inevitably become overdue.

Do I have to go to the bank to apply for a credit card for the first time?

There is no requirement to go to the bank to apply for a credit card for the first time, but if you go to the bank counter to apply for a credit card, you can prepare more relevant information and provide it to the staff, which will be very helpful for a successful application.

But when applying for a credit card online, you generally can only fill in some information and submit it. Moreover, if a customer is applying for a credit card for the first time, the bank itself knows very little about the customer's information. If you choose to apply for a card online, it may be difficult. Even if the card is successfully approved, the limit will generally not be too high. Of course, there is no guarantee that applying for a card at a bank counter will be successful.

Also, if it is your first time to apply for a credit card online, you often need to go to the bank counter for an interview after getting the card. It is generally not necessary to go to the bank counter because the staff has already confirmed the customer's identity when applying for the card.

Notes for novices applying for credit cards:

1. It is best to choose a suitable card based on your own financial strength. Especially for people with average incomes, do not blindly apply for platinum cards, diamond cards, etc. For high-level cards that require high financial and income levels, it is recommended that you choose a regular or gold-level card when applying for a card for the first time, as it will be easier to apply for it.

2. Pay attention to various credit card consumption traps. If the card is issued through an intermediary, consumption may be bundled. For example, if you use a credit card to sell insurance, etc., you can directly refuse this.

3. You need to understand the annual fee policy of credit cards. Many credit cards can waive the annual fee in the first year, and then as long as the specified number of times or amount is reached, the annual fee can be reduced for the following year. Different banks and card types may have different annual fee policies, so you must be clear about it, otherwise the annual fee will be a big expense.

4. The limit obtained by many people when applying for a credit card for the first time is generally not high. It is not recommended that customers directly cancel their first credit card because the limit is not high, as this may affect subsequent card processing. In fact, as long as you use the card well in the future, the bank will always have the opportunity to increase the limit.