1. If you apply for a credit card at the relevant outlets, you can take it out in 20 working days, and it takes about 10 working days to apply for it for the first time.
2. If you apply for a credit card through the relevant official website, the review will be completed within 5 working days. If it is a new account, you need to go to the bank outlet to sign it in person. The review will be completed within 2 working days after the interview.
3. If you apply for a credit card through mobile banking, it usually takes 1 to 2 weeks.
Why did the credit card application fail?
1. The applicant's personal credit record has a bad record, and the personal credit report in the credit information system has credit risk.
2. The applicant has no fixed job, no stable source of income and no ability to repay the arrears.
3. The applicant's basic age condition is not met: the age range of users applying for credit cards is limited to 18 to 65 years old.
4. The number of credit card applications has reached the upper limit: the applicant has applied for multiple credit cards, and the user's personal credit limit has reached the maximum limit, so it is no longer possible to apply, or the user applies for a credit card in a short time, which will be recognized as a high-risk customer by the bank, and the bank refuses to apply.
5. Incomplete or incorrect user application information: The information provided when applying for a credit card must be complete, detailed, true and valid.