Existing card customers: For users who already hold CCB credit cards, it takes about 5 working days to apply for credit cards through online self-service channels.

New customers: New customers apply for CCB credit card for the first time, and the approval time is about 10 days. After the approval, CCB will notify the customer of the short message and receive it within 3-5 working days. Customers can sign in within 90 natural days with the original SMS of credit card and ID card.

Can CCB negotiate the overdue credit card?

We can negotiate. But not all situations are negotiable. When the credit card is overdue, CCB can negotiate to repay the principal, but not all overdue situations can be negotiated to repay. Generally speaking, if the amount owed is not large and the interest is not large, there is no need to negotiate. After consultation, the bank disagreed.