1. If you apply for a credit card in Alipay. Then your Alipay is authorized by the bank. Then the bank's application will be reviewed in all aspects of your sesame credit. At present, Alipay can apply for Everbright and Minsheng. 2. If it is handled by a bank employee. Then the bank's audit is based on the bank's own audit standards. 3. If your sesame score is above 600. It is safer to apply in Alipay. Or you can apply on the bank credit card website.