The CITIC Bank credit card approval process is usually completed within approximately 7 working days after the application information is entered into the system. Once this time is exceeded, customers can call the credit card customer service hotline to inquire and urge the review progress. For applicants who want to get a credit card quickly, it is recommended to choose the online application route. In this way, if the approval is successful, the credit card will usually be sent by registered mail within 7 working days after phone confirmation. On the contrary, if the application fails to pass the review, the bank will notify the applicant of the specific reasons via email, phone call or text message.

After the applicant submits the application form and relevant materials, the bank will conduct a comprehensive assessment of the applicant's credit status. This includes checking the authenticity of the information on the application form. For corporate customers, the credit level of the company must also be investigated; individual applicants need to provide relevant information about the guarantor. The bank will comprehensively consider the applicant's credit history, known assets, professional background and other aspects to decide whether to issue a credit card and its credit limit.

However, the specific review standards and processes of card-issuing banks are usually confidential, and different banks may have different evaluation standards and results. For example, the same information may be processed differently by China CITIC Bank and other banks, including the determination of credit limits and the issuance of credit card types. Therefore, application results may vary, and even if one bank passes the review, other banks may still reject it.