It is because of its speed, convenience and benefits. Some people apply for a credit card because they are short of money and need to use the overdraft function of the credit card. These card applicants have relatively high requirements for the credit card approval speed and limit. , many people have complained that the bank's card approval speed is too slow, and it takes a long time to receive the credit card after submitting the application materials.

Let me give you a detailed answer to the question of card issuance time: the ways to apply for a credit card are becoming more and more diverse, and the time required for each application method varies greatly, and there are small differences between different banks. Even if you apply for a credit card from the same bank in different cities, there will be a time difference! So how are these differences caused? We might as well find the answer from the bank's approval process:

Everyone thinks that applying for a credit card online is faster than applying offline. In fact, the difference is only in the submission time of the information, not the approval of the card. What a difference speed makes. Applying for a card offline requires bank staff to mail the information to the credit card center, which takes about a week.

Regardless of the application method, credit card approval is uniformly completed by the credit card center of the issuing bank. The credit card center will complete the review of the application materials and information verification within 5 working days after receiving the application materials. Decide whether to approve the card and the amount of the card, then produce the card within two days, and finally spend about a week to mail the card to the applicant's reserved address. This series of processes takes about twenty working days. Of course, this is the average level. If the card application place is very close to the credit card center, it may take more than ten working days (or even about a week).

It is worth noting that although applying for a credit card online saves about a week of mailing time, the first time you apply for a credit card from a certain bank, you need to go to the bank counter to complete the activation.

So don’t be anxious when applying for a credit card. In many places, it is normal to get the card within one month. You can check the application progress through the card issuer’s online banking, WeChat public account, and customer service phone about a week after the application materials are submitted. .