Generally, it takes 15 working days to apply for an ICBC credit card online. 15 working days later, you will receive a card issuance notice from ICBC, asking the main card applicant to take the original ID cards of himself and the deputy card applicant to the local card issuing bank to collect the card and go through the relevant formalities. No one can entrust others to do it. If the bank card issuance notice has not been received for more than 20 working days (inclusive), or the applicant fails to respond to the bank notice or refuses to get the card, the application will be deemed invalid and the submitted materials will not be returned.

If the applicant has superior conditions, the review time will be faster, and many people receive the news of card approval two days after submitting the application. This kind of fast card issuing is called "second batch". To obtain the second batch of credit cards, applicants need higher annual income, better jobs and excellent financial conditions, such as real estate and automobile production.