Hello , Lincoln Bank . Kristy speaking , how may I help you today ?   Hello , Kristy . Could I speak to the department that deals with credit card applications , please ?   I can deal with that , Sir . Are you interested in our personal or corporate card ?   The personal card , please . Is it possible to take care of this over the phone ?   I'm sorry , Sir , but you will need to come in to your local branch to deal with the application procedure . Come in and fill out an application form and let us have a duplicate of your ID card . You'll also need a copy of your guarantor's and he or she will need to sign the form , too .   OK ... and what deposit do I need ? I mean , is there a minimum deposit ?   You'll need to deposit 1,500 RIB initially . There will also be some small additional charges for this service .   That's no problem . How long will the whole thing take ? A week ? 10 days ? 