The time required for credit card application depends on the card application channel:

1. Online application: generally within 20 working days. If it is the first time to apply for a card, it usually takes about 10 working days. However, if there is verification of online banking shield, it may be completed in 5 working days.

2. Website application: Generally, the review will be completed within 5 working days. New accounts need to go to the bank branch for an interview, and the review will be completed within 2 working days after the interview.

3. Mobile banking application: If it is a mobile banking application, the review time is relatively short, about 1-2 weeks. If you apply online via mobile phone, the review will take up to 5 working days at the earliest.

After the credit card application information is submitted, it will first be submitted to the credit card center review department of the card-issuing bank. The review department will score the applicant based on the applicant's personal situation. This process usually takes 10 working days. If After the review is passed, the card-issuing bank will produce a card for the cardholder within two working days, and then send the credit card by registered mail or express delivery. Registered mail usually arrives in about 15 days, and express delivery usually takes about 5 days.

However, for some cardholders who have already applied for a credit card and submitted relatively complete information, the bank's approval will be much faster, and the card will usually be issued in about 3 days, so how long it takes to get the credit card generally depends on the application. It depends on the person's personal situation and the approval speed of the card-issuing bank. Generally speaking, the results will be available in about a month.

Extended information:

Credit Card, also called credit card. It is a non-cash transaction payment method and a simple credit service.

A credit card is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Reference: Credit Card-Baidu Encyclopedia