The first is the most common offline application method, that is, you can go directly to the bank to fill in the information, or you can apply for a credit card at the counter or a special card machine. One advantage of this application method is that there are bank professionals on site who can tell you how to fill in the application materials at one time and will not be rejected because of some information filling problems. However, because the branch has to report the information to the credit card center, the card center will review your information. The disadvantage is that the review speed will be slow and the card issuance time will be slower.

The second offline card processing channel is to find a credit card salesman to handle the card. There are often some credit card application activities outside or salesmen go directly to companies or shops to help apply. Usually, the salesman who runs the card here will give you some activity gifts, and the salesman will also tell you how to apply for your own performance easily, and even tell you some tips to improve the card quota. The disadvantage is that the professional level of salesmen is different, so the service attitude and level will not be the same. It depends on luck.

Online application is to apply for a credit card in the QR code promoted by official website or bank staff. This advantage is that it is more convenient to apply, and there are many activities and gifts in online application. The disadvantage is that it is easier to fill in the wrong information because there is no staff to ask and guide, which leads to the rejection of the application.