This. I once applied to my bank to take out a loan for my business and the questioning I faced was very vigorous and the process took almost a month. Contrast

This. I once applied to my bank to take out a loan for my business and the questioning I faced was very vigorous and the process took almost a month. Contrast this with getting a Visa/Mastercard for almost equivalent amount-- the sales rep fills out the information in a minute in a big box store and the card is mailed to you within a few weeks.