High.

1. Face-to-face communication: When applying for a credit card offline, bank staff will have face-to-face communication with the applicant to understand the applicant's specific situation and credit status. Through this method of communication, the bank can more accurately evaluate the applicant's credit status and repayment ability, and decide whether to approve the application more based on it.

2. Provide more supporting materials: When applying for a credit card offline, applicants can provide more supporting materials, such as income certificate, real estate certificate, etc. Materials can further increase the applicant's credit score and improve the application approval rate.