I asked the girl to send me her photo, and she said no, and she said she would go home and meet me when she had time! Excuse me, why didn't she send me her photo?

You asked that girl to send you her photo, but she said no, and said she would go home and meet you when she had time. This is also a good suggestion. Looking at photos is good for judging people. Some people are good-looking, but they don't take pictures. If we meet, can we talk? That's all that matters. You don't have to worry. We can chat first and see if we can get along well before we meet. It's better this way.