If you apply online and the card is the first time the user applies for a credit card, you need to go to a bank branch for an interview and activation. If the user has applied for a credit card at the bank before and was interviewed in person, there is no need to go to the bank for an interview in person.

It should be noted that no matter which bank you choose to apply for a credit card for the first time, you need to go to an offline bank branch for an interview and activation.

What does a credit card interview mean?

Credit card interview means that the credit card applicant brings his valid ID card to a banking branch for identity verification. If you apply for a credit card online, you must complete the interview at an offline bank branch and activate the credit card before it can be used after the bank has reviewed and received the credit card.

The main purpose of the interview is to review the applicant's identity information. Some banks' credit cards can be used immediately after the interview.