It is not difficult to see from the above that the threshold for applying for credit cards online is relatively low, and the bank's auditing efforts are relatively loose, so many small partners have passed smoothly. Although the threshold for online application is relatively low, the bank's audit controls the quota strictly, whether offline or online, because it can reduce the risk of internal loans and avoid the problem of overdue repayment in the future as much as possible. In fact, it is not only credit cards, but also other loan products. At present, the bank's quota review is still relatively strict. After all, under the self-financing mode, they have to be cautious about this to avoid losses. However, according to the actual situation, the credit card quota for online application is generally lower than that for offline application, but the specific quota depends on the qualifications of the actual applicant.
One thing you can tell us is that many high-value cards do not support online processing at present, because such high-value card banks have very strict financial review of applicants. When applying for this kind of credit card, you need to provide the corresponding information such as salary flow and property certificate to ensure that you are the target group before you pass. It is not convenient to provide these materials online, so it is mainly to apply for offline branches. It can also be reflected from the side that credit cards that can be applied online are generally less than 50,000 yuan. Especially when you apply for a card that is currently in a "water release" state, even if the qualification is good, it is likely that the amount is only a few thousand yuan.
If it is a small partner who pursues a quota, it is recommended to choose an offline branch.