You submit the application form to the branch, and the branch will usually help you submit the electronic application within one day, and then submit the form to the card department, which will verify your identity and creditworthiness by calling or contacting your payment agency. Generally, this stage takes 15 to 20 days, and then the card is issued by express. Generally, the password and card are issued separately, which means you will receive two emails. One week before receiving the card, you will usually receive a text message that the card has been sent. The total time from applying for the card to receiving it is approximately three to four weeks.