It is more convenient and faster to apply for a credit card through online channels than offline counter channels, but for new users, they must go to the bank outlets for face-to-face signing, otherwise they cannot open the card. It is best to apply at the counter in order to understand the method, process and use of credit card processing. The offline counter channel application is safer and the approval rate is higher.

Extended data:

1. Counter application steps:

(1) The applicant goes to the bank counter, submits the application materials on the spot and fills in a complete credit card application form; People who apply for cards usually go to bank branches.

(2) Branches and sub-branches preliminarily verify the applicant's information and enter it into the system.

(3) The information shall be further verified by the superior bank, and finally sent to the credit card center of the Head Office, which will review the applicant's information.

(4) If the examination fails, send a short message to the applicant and refuse to issue the card; After the examination and approval, send a text message to inform the applicant that the preliminary examination has passed.

(5) After passing the preliminary examination, the bank staff will pay a telephone call back to the applicant, dial the company fixed line or home fixed line, and manually check and verify the applicant's information.

(6) After the manual telephone call is passed, the card will be approved.

(7) banks do cards.

(8) Send cards by courier. Jinpu cards are generally sent by registered mail, and high-end cards such as platinum cards are sent by express mail.

(9) After receiving the card, the applicant can use it by telephone.

2, online application steps:

(1) The applicant directly fills in the application materials online and submits them. The application materials directly enter the credit card center of the bank headquarters.

(2) The credit card center of the bank headquarters will review the applicant's information. If the review fails, it will send a short message to the applicant and refuse to issue the card; After the examination and approval, send a text message to inform the applicant that the preliminary examination has passed.

(3) After the first trial is passed, the bank staff will pay a telephone call back to the applicant, often dial the company fixed line or home fixed line, and manually check and verify the applicant's information.

(4) After the manual telephone call is passed, the card will be approved.

(5) banks do cards.

(6) Send cards by courier. Jinpu cards are generally sent by registered mail, and high-end cards such as platinum cards are sent by express mail.

(7) After receiving the card, if it is a new customer of the bank, the applicant needs to personally go to the nearest bank outlet for face-to-face signing.

(8) After the interview is passed, the card can be opened for use.