It is not necessary to go to the bank to open a credit card, it depends on the situation.

1. In some cases, you must go to the bank to open a credit card. For example, if you apply for a credit card online, you can't open it over the phone. You must bring your credit card and valid ID to a bank branch to open it

2. Bank counter application: If you apply for a credit card at a bank counter, you do not need to go to the bank to open a card. Because bank staff already know the customer's identity when applying, they naturally do not need to verify the customer's identity information through face-to-face signature and card opening to confirm whether it is their own operation. If you apply for a credit card at a bank counter, you can usually open the card by calling the 24-hour credit card service hotline starting with 400 on the back of the credit card and following the voice prompts.

1) If you apply for a credit card online, you don’t need to go to the bank to open a card. You can activate it through bank website, mobile banking client, bank customer service and other channels. Online application: If you apply for your first bank card online, most banks will require the applicant to go to the bank to open a card. The purpose of this is mainly to confirm the identity of the applicant and prevent someone from falsely claiming a credit card. However, if you are not applying for the first card online and have already applied for a bank credit card before, because there are business transactions and the bank has information records, you can also activate the application directly through online banking or mobile banking/credit card.

2) Whether to activate a credit card at the counter is mainly divided into two situations according to the card application channel. One is to apply for a credit card at the counter, and the other is to apply for a credit card online. The credit card activation methods applied through different channels are also different. If you go directly to the bank counter to apply for a credit card, you generally do not need to go to the counter to activate it, because bank staff have already verified your identity with you face to face when applying, so there is no need to verify again. If you apply for a credit card online, most banks will require applicants to activate it in person at a branch.

3) When activating a credit card at the counter, the counter staff will ask the applicant to provide a copy of the ID card (one front and one back) and the credit card (one front copy). Then fill in the application guarantee and signature date behind the credit card letter in advance. It should be reminded that there is generally no time limit for credit card activation, as long as it is activated within the validity period of the card. The credit card itself is valid for 3 or 5 years. If the credit card is not activated after the expiration date, your credit card will become invalid.

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