There are many credit card application channels, such as: bank official website, bank roadside spots, bank authorized third-party websites or APP channels, bank credit card department staff coming to apply for cards, etc. Many people apply for cards. Because you don’t know how to choose a card application channel based on your own situation, you will lose more than you gain.

Apply for a card at a bank branch

This is the basic way for everyone to apply for a credit card. Applicants only need to go to the branch in their area to apply for a card. Applying for a card at an outlet can effectively display your asset status directly to the bank. It is suitable for users with hard assets such as houses, cars, financial resources, employment certificates and related businesses to apply for a credit card. Relatively speaking, the limit will be higher.

Advantages: The approval limit is relatively high, and there are staff to assist you in completing the application to avoid filling in the wrong information due to your own negligence.

Disadvantages: The approval time is slow. Applications are often submitted to branches and then submitted to the head office for review. Sometimes, applications are uploaded batch by batch, which takes too long.

Apply for a card on the bank’s official website

Suitable for Internet users who don’t like to queue up at branches. It is best to be a user who already holds a credit card from another bank. Otherwise, due to online card application, the bank will not be able to fully see your asset information and will misjudge your financial status, resulting in a lower credit card limit. But some banks prefer to apply online and have good credit limits.

Advantages: The approval time is fast, and some banks can even approve the quota in seconds.

Disadvantages: Banks that don’t like online applications will seriously underestimate your financial resources, and the credit limit is not ideal. Most of them need to get the card and then go to the branch for an interview to complete the activation of the card.

The salesperson will come to apply for the card

Call the bank's credit card center number and contact the card department staff to express your intention to apply for the card. Then the credit card salesperson will come to your door to accept the card. Users do not need to go to bank branches in person and wait for the card application staff to come to apply for the card. Suitable people: For users who are busy with work, it is also the best choice to apply for a card with a white household, because it can prove the reliability of your work information.

Advantages: You can activate most cards by phone without leaving home.

Disadvantages: Long approval time.

Place a roadside stall or apply for a card through a third-party official authorized channel

The ones on the roadside are usually set up by relevant staff next to the merchants where the bank has activities. There is a risk of information leakage. There have been cases where credit card business personnel cooperated with third parties, and then your information was leaked, and various loan phone calls were harassed. Third-party channels such as Alipay and WeChat are relatively reliable.

Advantages: You can handle it casually, just fill out the form when you want to do something.

Disadvantages: Information leakage.

If new users don’t know how to choose the channel to apply for a credit card, they can refer to the above points.