In branch vs Online App

Anonymous · ‎08-16-2015

Is there any difference from applying online vs in branch?

Saleen099 · ‎08-16-2015

NO. Unless you have a relationship with the bank or lending institution. Besides Most credit card you have to apply online for. They won't Computers To tell you if you're approved or denied. Plus if you are old enough you can drink beer you can tell the computer how you really feel if you do get denied you can't do that in the bank.

Anonymous · ‎08-16-2015

@Saleen099 wrote:
NO. Unless you have a relationship with the bank or lending institution. Besides Most credit card you have to apply online for. They won't Computers To tell you if you're approved or denied. Plus if you are old enough you can drink beer you can tell the computer how you really feel if you do get denied you can't do that in the bank.

Completely agree with you, that's what i thought too.

Anonymous · ‎08-17-2015

@Anonymous wrote:
Is there any difference from applying online vs in branch?

There isn't a difference. But sometimes doing the application in the branch gives you a slight edge to doing it online in the sense that should it go into pending, the banker is able to call immediately to recon on your behalf.

ddemari · ‎08-17-2015

Chase bankers would tell you to apply in branch instead of via online but they also need to push credit cards. Like others have said, if you have a relationship with a certain bank, putting in an app in the brach can you give you maybe a faster result.