hey all

not sure if this was asked before since I didn't see it anywhere
what are the pros or cons when applying a credit card via:

• urself through bank website
• urself in person directly with the bank
• through agent from booths
• through comparison websites (ringgitplus, comparehero, imoney, etc.)

the most obvious pros are the freebies that come along either upon registration or upon successful application but I would like to know if there's others. i.e. better success rate, easier annual wavier application, etc.

and while on topic, I’m a little puzzled about the whole freebies thing. I heard about cases such as upon successful application:

• agent not giving free gifts whereas bank does (agent took the gift for themselves)
• bank not giving free gifts but agent does (only agent specific promotion)
• only comparison website giving free gifts (comparison website only promotion)

any recommendations in this regard for which channel to apply through?