According to the regulations of China Banking Regulatory Commission, the obligation to see the applicant (see the original ID card in person, see the applicant's signature in person, and save it through video materials) is required to handle credit cards.

In order to implement the convenience service requirements (some are risk requirements, the essence of credit card is credit loan, and banks should also do due diligence, such as verifying the authenticity of customer information), and the verification location may not be in the bank outlet or in the work unit;

The definition of fraud in criminal law is: the act of fabricating false facts and defrauding others of money; If you don't fabricate false facts and charge fees other than those published in the price list (there is a price list in the contract), it generally doesn't constitute fraud;

Small coup to prevent losses: According to the regulations of CBRC, financial institutions shall not charge any fees in any name before credit card loans are issued, and the fees charged after card issuance shall be notified to customers in writing in advance (electronic contracts are also in writing), and the fees charged after card issuance shall not exceed the regulations of the banking regulatory bureau if stipulated by CBRC;

If you are not satisfied with the banking service, you can call customer service to negotiate with it (there is a public notice in official website). If it is really impossible to negotiate successfully, it can be conducted through mediation by a third party or by bringing a lawsuit to a people's court;