After determining the bank that handles credit cards (credit cards), you can apply for credit cards (credit cards) through two channels: online and offline:

1. Online: Find the credit card (credit card) application section on the bank's official website, select the credit card (credit card) you need to apply for, click Apply Now, then fill in your personal identity information according to the reminder on the page, and finally submit the application. You will receive it by mail after passing the application. If you have a credit card (credit card), you can use it by bringing your valid ID and credit card (credit card) to a bank branch to complete the interview and activate the credit card (credit card).

2. Offline: You can directly apply for a credit card (debit card) at a bank's business outlet with your valid personal ID.

The bank will conduct an audit based on the applicant's personal credit status. If the applicant's comprehensive score does not meet the bank's requirements, the credit card (debit card) application will be rejected by the bank.