Half an hour. The official website of Jiangnan Bank shows that to apply for the bank's credit card, you need to bring your ID card and a small amount of cash to a bank branch, and fill out forms with the assistance of bank lobby staff, which usually takes half an hour. Jiangnan Bank is the country's first prefecture-level joint-stock rural commercial bank and a pilot unit for the issuance of secondary capital bonds and asset securitization determined by the China Banking Regulatory Commission.