There are many personal qualifications that cannot be verified and evaluated in online application, such as your income and expenditure, wealth status, and the nature of your work. But if you fill in the form, you can directly display the personal information that the bank needs. Ordinary individuals will use proof of income, proof of residence and proof of work. Fill in the form. Different banks have different requirements and regulations. Since you are asked to fill in the form, it shows that your basic qualifications should meet the requirements of applying for a credit card, but there may be some links that the bank loan officer can't determine during the examination, which is also to reduce the risk for the bank. You can call or go to the bank first to ask what information or conditions you need to fill in the form. If they are all in line and satisfied, try it. Many times, online applications are not approved, but self-filling forms will be approved, and the amount is different. I hope my answer can help you!