While I understand this, I do feel the agents or people from the bank would have an idea of what gets through which although might not guarantee its success rate, it still can maximize the chances.
For example, there's a higher chance of getting some cards via agents at malls and airports than going directly simply because of things like referral ID, some profile info adjustments (at times I've noticed agents go as far as filling in totally fake info about employment just to get their cut and that does get the card approved -- I never applied but I know someone who did who literally had bad credit history yet surprise surprise got a decent credit limit from a PSU bank thanks to that agent).
Similarly, I've seen another case where the RM calls and pushes to apply for a CC and that the applicant need not give any docs or fill anything extra other than basic info and just enter employee code and bam, it did work and approved. How do you think that is happening?
So as much as I understand there is no one particular person who can guarantee anything, they definitely can help with the application to improve its success chances with slight tweaks here and there based on their internal knowledge (another example is, cards that don't get approved at specific pin codes, if you know this through the banker, then you can avoid applying instead of applying now and getting rejected only to waste time trying to figure out what went wrong).
