Generally speaking, credit card salesmen are more reliable. It's convenient to go to the door, at least you don't have to run back and forth, but there is a disadvantage that personal information will be leaked. After the salesman helps you with the card, some will sell your information to other companies with business needs in the industry. I have encountered such a problem. People often call you to sell things, and it's annoying to know which bank you are a customer of.