It will take about 20 working days to complete the examination and approval, and it will be sent to you three working days after it is approved. At the same time, you will receive a short message to send a card reminder. You can receive a new card within 10t days after receiving the SMS, which takes about one month.
So it takes about 20 days to refuse the visa, but sometimes it will be refused in 1-2 days, depending on the bank's audit time.