Online application means that the applicant directly selects the bank and credit card in official website, WeChat or mobile banking, and fills in the application form. The process is simple and quick, just fill in and check the application progress yourself. If the applicant meets the requirements, the card will be issued quickly. For example, it takes only 3 days to apply for the credit card of CITIC Bank online, from filling out the application form to issuing the card.
Applicants bring their ID cards and copies of ID cards or other property certificates to the bank to apply for credit cards, which involves many processes and long waiting time. Then, just like online application, directly check the application progress online. However, it takes a long time to get a card, just like waiting for flowers to wither and waiting for a credit card. Sister Ka once had a colleague who applied for a credit card from a state-owned bank at the counter and waited for three months to get it. This shows the snail speed of this online credit card application.