When handling outlets, you need to bring your ID card and proof of work income (not all of the above certificates are necessary, some of them are optional). If you can attach some financial certificates, such as real estate, car output, CCB deposits, etc., it will be very helpful to check the card and check the amount. If the information is complete, it will generally be approved within 20 working days (almost one month) after the application.
Online application, the procedure is relatively simple, and no additional financial proof is needed. Banks will focus on the landlord's real estate, social security, provident fund, individual tax, personal credit and other information that can be queried online. There is a bank shield of CCB (like a USB flash drive), which can be approved within five working days at the earliest, without face-to-face signing. If there is no net shield, it usually takes about 10 days to get the approval, and then bring your ID card to the outlet for face-to-face signing. If the landlord has been working for three months, I recommend you to apply online first.