At present, the channels for handling credit cards are roughly divided into online card handling and offline card handling. If you apply for a card online, you may need to sign it in person. Because of this, many people will still choose to do cards offline, thinking that this can be done in one step. Because we have to consider the success rate of card handling, some people will want to know whether it is easier to handle cards offline. Let's briefly introduce it today.
Is it easier to apply for a credit card offline?
Actually, not necessarily. The application form for offline card and online card is the same. The only difference is that you can enter materials directly through the outlets and provide various materials, but it is not easy to get off the card, which is related to two points.
1. Is the selected bank suitable?
Banks that carry out credit card business can be roughly divided into two categories: one is state-owned banks, namely, four major banks of industry, agriculture, postal services and construction; One is commercial banks, such as China Merchants, CITIC, Minsheng and Xingye.
In contrast, the threshold of the four major state-owned banks is relatively high, and they pay more attention to the assets and contributions of applicants. For example, he has never done business with a bank and can't provide valuable proof of assets, so it is more likely to run a card offline, so he should choose a suitable bank according to his qualifications.
2. The information provided is insufficient.
If you want to apply for a card offline, you don't just need to provide basic personal information, such as work certificate and income certificate. It is best to provide sufficient proof of assets.
For example, real estate, automobile production, wealth management products, certificates of deposit, etc. can reflect the applicant's economic ability and add points for banks to judge their repayment ability.
In short, if you don't choose the right bank for the offline card, and you can't provide sufficient proof of assets, it is recommended to choose the online card, but there will be some hope.
What is the difference between applying for a credit card online and offline?
The main differences between online credit card application (credit card) and offline credit card application (credit card) are:
1. The review time is different: the credit card (debit card) applied online will enter the review status immediately, while the credit card (debit card) applied offline will take 2-3 days to start the review.
2. The amount of card approval is different: the credit card (debit card) applied online will have a low amount of card approval because only simple application materials are submitted. Offline application for credit card (debit card) can submit proof of financial resources, so that the amount of card approval will be higher.
3. Different activation methods: to apply for the first credit card (debit card) online, you must activate it at the bank counter. When you apply for your first credit card offline, you don't need to go to the counter to activate it because you apply at the counter.
How to apply for a credit card
The most basic conditions for handling a card are:
First, at least 18 years old;
Second, there is a stable source of income. So who will be considered by banks to have no stable source of income?
The first category is small businessmen, such as the owner of a decoration company and the owner of a shopping network.
The second type is salesmen without basic salary, such as life insurance consultants, real estate agents, advertising agents and direct sellers.
The third is professionals, such as photographers, patent agents, technical consultants, management consultants, plumbers, electricians, hairdressers, artists, etc. The above freelancers basically earn a lot of money, but because there is no stable source of income, it is also difficult to get stuck. It is also a very grievance to think that you can't do a credit card even if you have money. Is there no way? This will be said separately. There are two situations: online card handling and offline card handling.
Offline card application is to apply directly to the bank counter, and provide as sufficient proof materials as possible, including income proof, bank running water and real estate proof (if there is a house owner, you can apply for a credit card without a job). As long as you apply to the bank with the real estate license, the applicant can get a high share if he has a house, so he can generally pass the examination and approval, such as vehicle certificate, deposit certificate, investment and financial management certificate, etc. To increase the success rate of card processing.
The introduction of offline credit card application ends here, and the offline credit card application pass rate. I wonder if you have found the information you need?