Agricultural Bank of China Credit Card Gold Card can be applied over the counter (it takes about 30 days), and platinum credit card can be applied online or via mobile phone (it takes about 7 working days) (it can only be applied at branches, it takes 10 working days). After the application is approved at the branch or online, there will be a text message notification by mail. If there is no text message for rejection, you can call the credit card service hotline to check, or you can check the application progress through Agricultural Bank of China online banking and mobile banking.