1, channel

One is online and the other is offline.

2. Processing speed

Online applications don't have to wait in line, saving time. Offline counters may need to queue up for processing, which takes a long time.

3. The comprehensiveness of information.

Counter application can submit a lot of supporting materials to help improve the approval probability and credit card limit. Online application does not need a lot of information, generally only need to fill in identity information and work information.

4. Activation mode

Online application can activate the credit card by phone. After the approval, the bank will send you the card. If you receive the card, you don't need to go to the bank to activate the credit card, just call the bank customer service phone to activate it. Counter application needs to be activated in the bank business hall.

5. Different quotas

The information filled in online application is relatively simple, so even if it is approved, the amount will be relatively lower than the credit card handled by the counter.

Extended data:

Basic conditions for credit card processing:

1, age 18-60 years old (banks are slightly different, and some banks can extend to 65 years old).

2. Have a stable income.

3. Personal credit status is good.

Baidu Encyclopedia _ Credit Card