Train ticket for Kunming to Lijiang.

You can use the credit card to buy the tickets online and the card cannot be used when you buy tickets at the railway station.
If you book the ticket throught certain tour agency, they will have their own delivering service and different tour agenies have different methods, so it is suggested to consult the tour agency directly.
For me, I think booking the train ticket on this website is reliable. I usually did it. You can also have a try. After booking, you can get an order number and then you can use this order number and your passport to collect your own ticket at the ticket window of the railway station directly before your departure.