There are three common credit card application methods: bank branch application, online application and salesperson visit. Which application method is the best? Below, Kabaobao will introduce to you the advantages and disadvantages of these three ways to apply for a credit card.

1. Apply for a credit card at a bank outlet

This is the simplest and most direct way to apply. Generally, you can go directly to the bank staff when you go to the counter of a major bank outlet to handle business. Apply for a credit card.

So under what circumstances is it appropriate to apply for a credit card at an outlet?

1. Handle account opening and deposit business

2. Handle financial social security card

3. Bind provident fund payment card

4. Handle Home loan

5. Apply for car loan

6. Apply for bank consumer loan

Analysis of advantages and disadvantages:

Advantages: Apply for a credit card through an outlet The advantage is that you can provide more comprehensive financial proof to the bank to obtain a higher credit limit, such as: real estate certificate, driving license, time deposit certificate, bank statement, academic certificate, social security card, etc. The credit limit is moderate.

Disadvantages: Usually, credit card approval through bank branches will be slower, because it is a business handled by branches and needs to be reported one level at a time, first reported to the branch by each branch. , and then the local branch reports it to the head office for approval. The process is roughly like this.

2. Apply for a credit card online

Applying for a credit card online should be considered the most convenient and fastest way to apply for a credit card, and banks are now beginning to allow various online applications for credit cards. The business has been assigned.

The most common channels are the following:

1. Official websites of major banks’ credit card centers (if you are not sure, you can go to Baidu directly)

4. Credit card APP

I found that many people do not know the names of the official credit card APPs of major banks, so it is necessary to popularize them here:

Industrial and Commercial Bank of China (ICBC e-Life)

Agricultural Bank of China (currently there is no independent credit card APP, you can find the credit card entrance directly in the Agricultural Bank of China mobile client)

Bank of China (Colorful Life)

Construction Bank (currently there is no independent credit card APP, you can find the credit card entrance directly in the CCB mobile client)

Bank of Communications (pay the bill)

China Merchants Bank (handheld life)

China CITIC Bank (Card Card Space)

Minsheng Bank (National Life)

Industrial Bank (currently there is no independent credit card APP, directly in Industrial Bank You can find the credit card entrance in the mobile client)

Shanghai Pudong Development Bank (Puda Xiben)

China Everbright Bank (Sunshine Benefit Life)

Ping An Bank (directly at The credit card entrance can be found inside Ping An Pocket Bank)

Hua Xia Bank (Huacai Life)

Guangfa Bank (Discover Wonderful)

5. Third-party application channels

The most common ones are:

Third-party application portals such as , Kabaobao, 51 Credit Card Manager, Kaniu, Wacai, Sesame Credit, Xiaomi Credit, and Koala Credit.

Analysis of advantages and disadvantages:

Advantages: The biggest advantage of applying for a credit card online is that it is convenient and fast to apply. You can submit the application form directly online without providing cumbersome supporting materials. Even those without a license can do so. The application and approval process is fast, the results can be obtained within 10 minutes at the fastest, and the card can be received in 3 days.

Disadvantages: The card approval rate is low, the credit limit is generally low, and the activation of some credit cards requires an interview at an outlet.

3. Salesperson's door-to-door application for credit card

Salesperson's door-to-door application means that the bank appoints a special credit officer to visit the unit to handle the application. This requires knowledge or familiarity with major banking services Then you can make an appointment via WeChat or phone to come to your door.

Under what circumstances is it more appropriate to ask a salesperson to come to your home to apply for a credit card? For example, if you are a self-employed person or a legal person, you have an actual business office space, or you work in a formal unit.

In this way, the salesperson can collect evidence when he comes to your door. For example, he can take a picture of your company's LOGO to prove that you work for this company, which is very helpful for you to apply for a card.

Analysis of advantages and disadvantages:

Advantages: In addition to providing more comprehensive financial proof to banks like bank branches, it can also allow banks to have a more comprehensive understanding of the size of your company. , operating conditions, card approval rate is relatively high, and credit limit is relatively high.

Disadvantages: It is only suitable for people with actual work units. It is not suitable for some freelancers or self-employed individuals and business owners who do not have actual business premises.