This is not true. It's fake to get a credit card by SMS. Applicants should inquire, consult and make correct judgments through official channels so as not to bear unnecessary expenses or suffer other losses. Credit cards must be handled through formal channels, through bank counters and formal bank apps. Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is in the form of a card with the name of the issuer, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back.