This girl may simply feel that she would rather chat and get to know you better for now.
She met you through online dating and doesn’t really know you as a person yet.
Giving out her phone number or trying to meet up may be too premature for her at this time.
Yet, she wants to chat because she may feel that she is liking what she is hearing.
In other words, she may be enjoying the chats that you are both having and may want to see where they lead.
She may not be at a point where she feels that the connection is strong enough with you to give out her phone number or meet up quite yet.
This doesn’t mean that she will never get to this point.
It is just that she may not be at that point quite yet.
She may just want to chat with you on the online dating site at this time in order to build enough rapport with you.
She may be hoping that by continuing to chat with you and thereby building rapport with you, she will eventually get to the point where she feels safe enough to trust you with her phone number.
Hence, she may simply want to see if she will get to the point where she trusts you enough.
Understand that you may also be dealing with a girl who likes to take it slow and steady when she is interacting with a possible romantic prospect.
This may have been her approach to dating in the real world.
She may have always been the kind of girl who is slow to warm up to someone and trust them.
She would go into online dating with the same kind of approach.
You may learn from the chats that you have with her that she tends to be the kind of girl who truly takes her time in getting to know someone before she feels that she can trust that person.
Hence, you may be dealing with this kind of girl.
A girl may want to chat but doesn’t want to give out her phone number or meet up quite yet because she may have done that in the past and it didn’t turn out well.
She may have met another guy on the online dating site that she was chatting with who she liked.
He may have asked for her phone number and she may have given it out to him.
They may have had a few conversations over the phone and then decided to meet up.
During the course of the date, she may have discovered that this guy wasn’t a good match for her.
He may have behaved in a different way or may have been really pushy about trying to get her to sleep with him.
This may have made her very unhappy and she may have resolved herself to never give out her phone number or meet up with someone so quickly.
So, you may be dealing with a girl on an online dating site who would rather chat with you for now so as not to allow herself to repeat a mistake that she has made in the past.
By chatting with you for a longer period of time, she will be able to get a better gauge of who you are as a person and what your intentions are.
She may want to be absolutely certain about this kind of information before she takes the chance of giving out her phone number or meeting up with you.