I did it myself because I got a detailed understanding of the cardholder's personal information when I was in the bank, and I kept my personal appearance, mobile phone number, ID number and other information. The staff of the bank have indeed seen the person who handles the card, so they don't need to go to the bank in person after getting off the card. You only need to call the bank staff online through online banking and SMS. However, if you apply for a credit card online, you need to go to the bank yourself.
The audit is strict because the bank staff didn't meet you in person when applying for a credit card. Therefore, if you just make a phone call online and use SMS, it is easy for people to feel that there are some illegal phenomena and you need to go to the bank in person. Generally speaking, whether you apply for a credit card in a bank or online, you will go to the bank that applies for a credit card. Therefore, the handling of credit cards is still very strict, and I need to go to the bank in person.
Personal credit cards are different from bank cards. He needs to check personal information and credit information. Evaluate credit card overdraft limit according to personal income and asset certificate. Many bosses with deep pockets need to make capital turnover when handling credit cards, so their credit card quota is very high. But for our ordinary families, some high-value credit cards are unnecessary. Overdrawing our future income will change the pace of our life and make us indulge in the happy time of spending money like water now. However, it will be sad to pay it back in the future, so the credit card should still do what it can.