It takes 15 to 25 working days to apply for a credit card. 15 It takes 25 working days to successfully handle the credit card, which means it takes time from filling in the information at the bank to getting the card. After handling the card, send the registered letter of the credit card, which takes 3 to 5 days in the same city and 7 days in different places 10. Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers.