Personally, I don't think it is credible. I still want to go to the bank outlet. If I have a credit card and want to go to another bank, I can apply to that bank in official website (it's easier to get rid of my card when I go to the business hall for the first time, and I have generated a card use record for a period of time when I have a card. As long as the records are good, it will be much faster to apply through banks in official website).

But you can have a try, but just remember that applying for a credit card is completely free, and the charges are all liars, so you won't be cheated.