It is normal. Face-to-face interview, to put it bluntly, depends on your authenticity. As for being rejected, it can only show that your conditions are not enough to apply for a credit card, see if you have any problems, or apply for another bank to try.

It is recommended to handle credit cards offline as much as possible, because the person who handles the cards will tell you what to prepare and what to pay attention to, which is very important.