Bank of Communications credit card application is divided into online application and branch application. Online application is mainly for new customers, and old customers must apply at the branch. The following is the time it takes to apply for a Bank of Communications credit card online:

1. Apply online. Select the credit card you want to apply for, fill in the relevant information and click submit. The application information will be entered into the credit card center on the same day.

2. Review stage. The credit card center will provide review results within 7-10 working days after receiving the complete application materials.

3. Card making stage. Bank of Communications' credit card production department will take 2-3 working days to produce the card.

4. Send the card. Bank of Communications credit cards are usually sent by registered mail. It usually takes about 5-10 days to receive the card. After the card is sent, the customer can receive a text message reminder.

The Bank of Communications credit card application can be issued as soon as half a month, but if you are applying for a special card or the recipient address is far away, it will take about 20 days to receive the card.

Can credit card repayment be negotiated a second time?

If the bank agrees, the credit card can be negotiated for repayment a second time. Usually after the card is overdue for more than three months, the card issuer and the cardholder negotiate to modify the original repayment plan and re-formulate the repayment agreement. Second-time negotiated repayment is usually interest-free, which can reduce the debtor's repayment pressure. However, this will show that there is an overdue balance that has not yet been paid, and the cardholder will most likely be disqualified from using the card if it is paid off.