If you apply for a credit card through WeChat, the review authority still lies with the bank. However, it is purely online. Filling in the information usually takes a few minutes. If you have good credit, you will have the opportunity to approve the card in seconds. The bank will take 2-3 working days. The card is then mailed to the applicant by registered mail, and the card can be obtained within one week at the earliest.

However, if you are a new user applying for a credit card through WeChat, you will need to go to the card-issuing bank for an interview after getting the card. The card can only be activated after passing the interview.