Subject to review. According to the query of relevant public information, if you apply for loan negotiation or reduction of repayment, you need to wait 15 working days. The loan platform needs to review the situation before granting repayment reduction or exemption. A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It is in the form of a card with the name of the issuing bank, validity period, number, cardholder name, etc. printed on the front and the name of the cardholder on the back. Cards with magnetic strips and signature strips, consumers with credit cards can shop or spend money at special commercial service departments.