If you receive a text message, it means that the card has been sent and you can't handle express delivery. Express delivery also costs money. Deduct it from your first bill.
You can call to confirm whether it has been sent. Under normal circumstances, this kind has been sent.
Generally, you can receive the password letter about a week after receiving the card. You can activate it first, call customer service to request signature consumption, and you don't need a password. Wait until the password letter arrives before changing it to password consumption.
Now that the card has been issued, you can check the quota from KF. This is a comprehensive consideration, which is related to income but not absolute. So everyone is different, so it is impossible to estimate. You can call customer service directly to check the quota.