The first card applied online must be signed at the bank counter in person to open the card. Some go directly to the bank to sign cards, such as CITIC, China Construction Bank and so on. Some online applications send cards directly, and then go to the counter to sign the cards after receiving them, such as Bank of Communications, China Everbright, Ping An, Pudong Development and Minsheng. China Merchants Professional Online Banking and China Construction Bank's U Shield need not be signed in person, but after passing the examination, I have to go to the bank to check before I can apply for a card or online banking.

The credit card application must be submitted by the cardholder himself and signed by him. When an applicant applies for a credit card online, the issuing bank receives the customer's application materials through online channels, and it is impossible to judge whether the applicant is the applicant himself.

Therefore, after the applicant has applied through the Internet and passed the examination, the issuing bank will send a short message to the applicant to inform him that he has passed the preliminary examination, and he needs to go to any outlet of the issuing bank for face-to-face interview with his ID card within the specified time. If you don't sign in person, criminals can apply for credit cards online at will with someone else's ID card, which is a great risk.