E-Jinbao is a cash loan service provided by CITIC Bank for credit card users. Generally, after the user submits the application materials, it takes about 3 to 5 days for the preliminary examination. After approval, it will be submitted to the branch at the next higher level for review, which will take about 2 to 3 days to complete. After the approval, it usually takes 7 to 10 days to enter the internal lending procedure of the bank.