If your card (including business card) is new, apply for permission with the user card, and then take the operator card to the SAFE for review. If your card is not new, for example, you have just updated it, just go directly to the State Administration of Foreign Exchange for review.
As for what you said, you can't find the "current user certificate information" when logging in with your user card, I suggest you log in again or restart your computer. This is not normal.