I applied for the Industrial Bank credit card online, and after a few minutes, I sent a text message saying that I passed and asked for verification. I don't have Industrial Bank here, so I don't want

I applied for the Industrial Bank credit card online, and after a few minutes, I sent a text message saying that I passed and asked for verification. I don't have Industrial Bank here, so I don't want to go because it's too much trouble. Depends on which part you verify. If it is the verification of real-name authentication application, there will be no annual fee, because you have not completed the application at all! The bank hasn't opened a credit card account for you yet, so there is no need to charge an annual fee.

If the credit card is approved! The bank has opened a credit card account for you, and now you need to go to the outlet to sign and activate the account in person. Then, many banks require an annual fee for accounts that have not been activated for one year.

Look at your description. It should be that the application has not been successful and is still in the process of application. The bank requires you to go to a nearby outlet to verify your real name first, and then specifically review whether you are qualified for credit card issuance.

Details can be confirmed by calling customer service.