With the development of the times, people’s consumption concepts have also changed greatly. The older generation will save money to consume for their children, while today’s young people consume more for themselves. In modern society, young people can be said to be the main force of consumption. However, young people have limited economic capabilities, so their spending power is also limited. If they encounter products beyond their consumption capacity, many young people will choose to use credit cards to make purchases. As a credit payment tool, credit cards can be applied not only online but also offline. So which one has a higher pass rate, online application or offline application? What are the disadvantages of applying for a credit card online? Today I will introduce it to you in detail!
Generally speaking, when users apply for a credit card, whether they apply online or at an offline bank branch, they submit the same application information. Therefore, in principle, whether they apply for a credit card online The approval rate is the same whether you apply for a credit card offline. However, because some offline credit card applications require a salesperson to come to serve users, the salesperson can more intuitively observe the applicant's living conditions, family situation, and work situation. Therefore, if the applicant's family situation or work situation is not good, , the application approval rate will be greatly reduced. However, whether applying online or offline, applicants need to prepare true and valid application materials or prove their financial strength as much as possible, so that the application rate is relatively high.
Although the process of applying for a credit card online is very simple and the card is issued quickly, there are also certain disadvantages to applying for a credit card online, such as:
1. Online application Credit card limits are generally relatively low. If the applicant's application materials are not fully prepared, the bank will not give the cardholder a higher limit due to risk considerations.
2. To apply for a credit card online, you need to go to a bank branch to activate it. Some credit cards cannot be activated online and require the cardholder to activate them offline at a bank branch. If there is no bank branch where the cardholder lives, activation will be more troublesome.
3. When applying for credit cards from multiple banks online at the same time, there will be multiple credit extensions. If a cardholder applies for a credit card from multiple banks at the same time, there will be more hard query records on the credit report, which will cause the applicant's credit report to be distorted.